Your deals sell faster when your buyers are financed. List your deals free at your full price, invite your buyers and contacts with your partner link, and earn a referral fee on every loan they close with us.
You list a deal at your price. We market it to our qualified buyers, anonymously.
You invite your buyers with your link. They get instant quotes and up to 100% financing.
Your buyer closes with our loan. You keep your full assignment fee…
…and earn a referral fee of 0.25% of the loan, paid after closing.
We add our fee on top of your price, so you keep your whole assignment fee. Your name and contact details stay private.
Anyone who comes through your link or code and closes a loan with us earns you a referral fee: $750 on a $300,000 loan, $2,500 on $1M.
Send your buyers to join free. Qualified buyers can say yes to more of your deals, and when they buy one of yours with our loan you're paid twice: your assignment fee and the referral fee.
An illustration, not a promise: earnings depend on loans that actually close. Referral fees are paid only where permitted.
| On your own | With the network | |
|---|---|---|
| Who can buy your deal | Cash buyers on your list | Your list plus our qualified buyers (up to 100% for experienced investors) |
| What you're paid | Your assignment fee | Your full assignment fee, plus a referral fee when your buyer finances with us |
| Listing cost | Your time, your blasts | Free: we market it anonymously at your price |
| Your contacts | Stay on your list | Stay yours: we never market to your buyers except for your deals and financing they asked for |
| Tracking | Spreadsheets and texts | Your partner dashboard: link views, leads and closed loans |
Sign up as a partner and get your link, code and listing widget.
List your deals, add the widget to your listings, and send your link to your buyers.
Your buyers get quotes in seconds and close with our loans.
Referral fees after closing; your dashboard shows every lead and loan.
For business-purpose loans secured by real estate: can someone who isn't licensed be paid by the lender just for introducing a borrower? Researched from each state's statutes and regulator guidance (October 2026). We pay referral fees only where the law allows; in "license required" states we pay licensed partners only, and in unsettled states we confirm before you refer.
| State | Status | What it means | Source |
|---|---|---|---|
| Alabama | Allowed | Mortgage licensing reaches consumer home loans only; no finder statute found. | Ala. Code § 5-26-3 Source |
| Alaska | Allowed | Licensing covers consumer loans on 1–4 unit dwellings only. | AS 06.60.990 Source |
| Arizona | License required | Any loan on Arizona real estate is a 'mortgage loan'; unlicensed people can't be paid for arranging one, and licensees can't pay them. | A.R.S. §§ 6-901, 6-909(B) Source |
| Arkansas | Allowed with conditions | Consumer-only licensing; the loan broker law bans advance fees from borrowers. A lender-paid fee after closing appears fine. | Ark. Code §§ 23-39-401, -404 Source |
| California | Allowed with conditions | Only a true finder (introduction, no negotiating) may be paid without a DRE license; CFL lenders must follow § 22602 for commercial-loan finders. | B&P § 10131(d); Fin. Code § 22602 Source |
| Colorado | Allowed with conditions | Consumer-purpose licensing; a generic referral isn't origination. Older rules treated 1–4 unit rehab/rental loans as residential: be careful there. | C.R.S. § 12-10-702 Source |
| Connecticut | Allowed | Broker, lender and lead-generator licenses cover consumer residential loans only. | Conn. Gen. Stat. § 36a-485 Source |
| Delaware | Allowed | Broker law covers owner-occupied consumer 1–4 unit loans only. | 5 Del. C. § 2101 Source |
| District of Columbia | Allowed with conditions | Mortgage act is consumer-only, but 'negotiating a loan' is real estate brokerage: keep it to a pure introduction. | D.C. Code § 47-2853.161 Source |
| Florida | Allowed with conditions | Ch. 494 can reach commercial loans to individuals or from non-institutional lenders and bars paying unlicensed people; LLC loans from institutional lenders are likely outside it. | Fla. Stat. 494.001, 494.0025 Source |
| Georgia | Allowed with conditions | Fine for LLC borrowers and commercial loans; 1–4 unit loans to individuals are licensed whatever the purpose. | O.C.G.A. 7-1-1000 Source |
| Hawaii | Allowed | Licensing covers consumer-purpose residential loans only. | HRS 454F-1 Source |
| Idaho | Allowed with conditions | Loans on a single 1–4 unit dwelling are licensed whatever the purpose; a pure introduction isn't 'brokering', but be careful. | Idaho Code 26-31-102 Source |
| Illinois | Allowed with conditions | Consumer-only mortgage licensing; Loan Brokers Act exempts fees paid only when the loan closes, with nothing up front. | 815 ILCS 175/15-10 Source |
| Indiana | Allowed | Loan broker and first-lien laws reach personal, family or household loans only. | IC 23-2.5-1-14 Source |
| Iowa | Allowed with conditions | Licensing covers owner-occupied 1–2 family homes; the Loan Brokers Act still bans advance fees and requires a written agreement with the borrower. | Iowa Code ch. 535C Source |
| Kansas | Allowed | Mortgage Business Act covers owner-occupied 1–4 unit loans to individuals only. | K.S.A. 9-2201 Source |
| Kentucky | Allowed | 'Mortgage loan' means a personal, family or household loan. | KRS 286.8-010 Source |
| Louisiana | Allowed | Mortgage and loan broker laws cover consumer loans only. | La. R.S. 6:1083 Source |
| Maine | Allowed | Loan broker law covers consumer credit; the regulator says commercial loan brokers are outside it. | 9-A M.R.S. § 10-102 Source |
| Maryland | Allowed | Mortgage Lender Law covers consumer loans on owner-occupied homes; document the business purpose. | Md. Fin. Inst. § 11-501 Source |
| Massachusetts | Allowed | Ch. 255E covers consumer loans to individuals on owner-occupied 1–4 family homes only. | M.G.L. c.255E § 1 Source |
| Michigan | Unsettled: ask first | Negotiating business-purpose mortgages requires a real estate broker license; whether a pure introduction counts is unsettled. | MCL 339.2501 Source |
| Minnesota | License required | Ch. 58 covers any 1–4 unit loan whatever the purpose, including lender-paid help; commercial loans need a real estate broker license. | Minn. Stat. § 58.02; § 82.55 Source |
| Mississippi | Allowed | S.A.F.E. Act covers consumer loans only; no loan broker registration found. | Miss. Code § 81-18-3 Source |
| Missouri | Allowed with conditions | Loan broker statute reaches all loans but only bans advance fees; a lender-paid fee at closing is fine. | RSMo 367.300, 367.305 Source |
| Montana | Allowed | The regulator says commercial and 1–4 unit investment loans need no license. | Mont. Code Ann. § 32-9-103 Source |
| Nebraska | Allowed | Mortgage licensing covers consumer-purpose dwelling loans only. | Neb. Rev. Stat. 45-702 Source |
| Nevada | License required | 'Mortgage company' covers anyone acting for hire on any real-estate-secured loan, commercial included. | NRS 645B.0127 Source |
| New Hampshire | Allowed | 'Mortgage broker' includes finders, but only for consumer-purpose dwelling loans. | RSA 397-A:1 Source |
| New Jersey | Allowed with conditions | Residential act is consumer-only; negotiating a real-estate-secured loan needs a real estate broker license. Keep the referrer passive. | N.J.S.A. 45:15-3 Source |
| New Mexico | Allowed | Mortgage Loan Company Act covers consumer-purpose dwelling loans only. | NMSA 58-21-2 Source |
| New York | Allowed with conditions | Banking Law licensing is consumer-only; negotiating non-residential mortgage loans needs a real estate broker license. Put finder terms in writing. | N.Y. RPL § 440 Source |
| North Carolina | Allowed with conditions | SAFE Act is consumer-only, but the Loan Broker Act is broad: no promises to procure loans, no borrower fees; registration may apply. | G.S. 66-106 Source |
| North Dakota | License required | 'Money brokering' includes commercial loans; the regulator says a referrer paid at closing needs a money broker license. | NDCC 13-04.1 Source |
| Ohio | Allowed | RMLA covers personal, family or household loans only. | Ohio Rev. Code 1322.01 Source |
| Oklahoma | Allowed | SAFE Act reaches consumer-purpose residential loans only. | 59 O.S. 2095.2 Source |
| Oregon | Allowed with conditions | Any 1–4 unit loan is licensed whatever the purpose; 5+ unit and non-residential loans have no barrier. | ORS 86A.100, 86A.103 Source |
| Pennsylvania | Allowed | Mortgage Licensing Act and Credit Services Act cover consumer credit only. | 7 Pa.C.S. 6102 Source |
| Rhode Island | Allowed with conditions | Exempt for entity borrowers and business loans over $25,000 to individuals; smaller business loans to individuals need a licensed broker. | R.I. Gen. Laws 19-14.1-10 Source |
| South Carolina | Allowed with conditions | Consumer-only licensing; the Loan Broker Act bans advance fees and misrepresentation. Lender-paid fee after closing is fine. | S.C. Code 34-36-10, -20 Source |
| South Dakota | Unsettled: ask first | Negotiating mortgage loans for pay needs a real estate license, and brokerage licensing reaches nonresidential loans; a pure introduction is unsettled. | SDCL 54-14-13; 36-21A-6 Source |
| Tennessee | Allowed | Broker and MLO definitions reach consumer-purpose residential loans only. | Tenn. Code Ann. 45-13-105 Source |
| Texas | Allowed | Mortgage licensing is consumer-purpose only; regulators treat fix-and-flip and rental loans as business-purpose. | Tex. Fin. Code § 180.002 Source |
| Utah | Allowed with conditions | Not on 1–4 unit dwelling loans (licensed whatever the purpose; referral pay banned); possible on 5+ unit or non-residential loans. | Utah Code § 61-2c-102, -301 Source |
| Vermont | License required | Paid referrals on commercial loans under $1M need a loan solicitation license; $1M+ is exempt. | 8 V.S.A. § 2200, 2201 Source |
| Virginia | Allowed | Lender and Broker Act covers consumer loans to individuals on 1–4 family homes only. | Va. Code § 6.2-1600 Source |
| Washington | Allowed with conditions | Fine for business-purpose loans not secured by the borrower's primary home; take care with individuals' rental loans. | RCW 31.04.025(4)(e) Source |
| West Virginia | Allowed | Residential lender/broker act covers personal, family or household loans only. | W. Va. Code § 31-17-1 Source |
| Wisconsin | Allowed | Mortgage broker licensing covers consumer-purpose residential loans only. | Wis. Stat. § 224.71 Source |
| Wyoming | Allowed | Residential Mortgage Practices Act covers consumer-purpose first mortgages only. | Wyo. Stat. § 40-23-102 Source |
Reference information only, not legal advice; laws change. It covers business-purpose loans only (not loans for personal, family or household use). Licensed agents and loan officers may also need their employer's approval. Check with your state regulator or attorney before you refer.
A referral fee of 0.25% of the funded loan amount on every loan that closes with someone you referred (for example $750 on a $300,000 loan), paid after closing. Win-Win pays it, never the borrower, and it doesn't change your borrower's rate.
You don't need a license to list your own deals or share your link. Referral fees are paid only where the law allows them: see the state-by-state table above. Some states require a license to be paid for referring a loan, and licensed agents or loan officers may need their employer's OK. We confirm before your first payout. This is a referral program, not a broker program: you introduce, we do the lending.
Everyone who arrives through your link or uses your partner code is tracked for 90 days on every form they fill in, and you see views, leads and closed loans on your dashboard.
No. The partner program, deal listings and the tools are free.
Only about your deals and the financing they asked for. Your buyer list stays yours.
They get financed: instant quotes, up to 100% purchase and rehab for experienced investors, and fast closings. Qualified buyers close more of your deals.
Free to join. List deals at your price and earn on every loan your referrals close.
Get my partner link →Win-Win Capital Funding pays referral fees for introductions only, where permitted by law; partners do not take applications, negotiate loan terms or act as mortgage brokers. Some states require a license to receive compensation for loan referrals, and licensed professionals may need their employer's approval. Business-purpose loans only. Earnings examples are illustrations.
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