Referral Partner Program | Oak & Iron Lending

Oak & Iron Lending

Private & Commercial Capital

🛡️ BUSINESS-PURPOSE EXEMPTION

Commercial Debt Desk Partner Network

Monetize Your Commercial & Investor Turn-Downs

Partner with Oak & Iron Lending to place business-purpose debt nationwide. Earn aggressive commercial referral splits wired directly to your corporate operating account within 48 hours of closing.

100% RESPA-Exempt

Under 12 U.S.C. § 2606(a)(1), entity-vested, business-purpose debt is exempt from consumer kickback rules. Referral splits are completely legal.

No Personal DTI Friction

Underwritten strictly to property cash flow (DSCR), as-is equity, and project viability. No W-2s, personal tax returns, or retail limits.

Non-Circumvention Protection

Your client remains your client. Any future real estate purchase, sale, or co-brokered listing belongs strictly to your firm.

Standard Commercial Referral Matrix

Commissions are calculated against the net broker fee collected at settlement and paid via closing disbursement wire.

Tier Level	Name	Suggested Split	Work Scope / Qualifier
Tier 1	Lead / Spotter	20%	Name, phone, email, and basic property scenario passed over.
Tier 2	Packaged File (Realtor / Agent)	30% – 35%	Basic intake completed + rent roll, P&L/leases, or purchase contract provided.
Tier 3	Co-Broker / Full Underwrite	50%	Full DSCR/commercial underwriting completed, docs collected, actively assisting through closing.

Step 1 of 2 · Partner Credentials

Referring Partner Information

Partner First Name *

Partner Last Name *

Your Brokerage / Company Name *

Partner Email Address *

Partner Direct Phone *

Your Professional Role *

File Involvement Level *

Step 2 of 2 · Collateral & Sizing

Commercial Deal Scenario

Borrower / Sponsor Entity Name *

Borrower First Name *

Borrower Last Name *

Borrower Phone Number *

Borrower Email Address *

Deal Status *

Location: City, State, Zip (or Full Address) *

Target Asset Class *

Financing Program Needed *

Estimated Value / Purchase Price ($) *

Requested Loan Amount ($) *

File Status / Current Rents / Important Details