What is referral service vs broker?

Referral service vs broker: A referral service passes your inquiry to funding partners who present their own offers. A broker negotiates and arranges the transaction for you.

How it works

Manufactor Finance is a referral service. We collect your inquiry with your consent, qualify it, and refer it to our funding partners, one or more of whom may contact you. Those partners communicate every offer, rate, term, and state disclosure directly to you. We do not quote rates or terms, compare or rank offers, negotiate, or prepare a partner's application. Partners pay us a referral fee when a referred account funds or activates, and what a partner pays never affects which partners receive your inquiry.

Referral service vs broker questions

A referral service passes your inquiry to funding partners who present their own offers. A broker negotiates and arranges the transaction for you.

Manufactor Finance is a referral service. We collect your inquiry with your consent, qualify it, and refer it to our funding partners, one or more of whom may contact you. Those partners communicate every offer, rate, term, and state disclosure directly to you. We do not quote rates or terms, compare or rank offers, negotiate, or prepare a partner's application. Partners pay us a referral fee when a referred account funds or activates, and what a partner pays never affects which partners receive your inquiry.

Free PDF

Funding Requirements Checklist for US manufacturers

See exactly what underwriters actually look at for factoring, PO financing, equipment, working capital, ABL, and SBA before you fill out a single application

  • What documents you need for each program
  • Typical time-to-fund by program
  • Common disqualifiers worth knowing up front
  • How Manufactor Finance is compensated — $0 fees to you
3-page PDF · Manufactor Finance charges you no application, origination, or closing fees. In most states, funding partners pay us when an account funds or activates; in California and Missouri they pay a fixed fee per inquiry whether or not you are funded. You pay us nothing either way. · We're an independent referral service, not a bank.
See the full requirements breakdown

Send me the checklist

Instant download after you submit. We'll also email a copy.

Consent & disclosures (required — click to review)
Consent and disclosures

No phone number provided — we'll reply by email only. Add a phone above if you'd also like a call or text.

Manufactor Finance is an independent business financing referral service — not a bank, lender, private equity firm, or investor.

We collect the information you enter to respond to your request and, if you ask to be contacted, to share it with our funding partners. See our Privacy Policy. Privacy Policy.

No pressure, no obligation, no fees to you

Educational only — not an offer to lend or a rate quote. Downloading a free guide or tool does not create a brokerage, advisory, or fiduciary relationship with Manufactor Finance.

Questions before you apply?

Send a request. Our team reviews it, and if a funding partner thinks they can help, a specialist from that partner contacts you. No pressure and no obligation.

Ready to keep production moving?

Start with a quick inquiry or a phone call. We'll tell you exactly what the right program requires. At no charge.

Apply. Fund. Deliver. No obligation.

AI-assistedCalls, texts, and chats may be answered by Mary, our AI assistant, who takes your details and passes your request to our team. Or email us instead.

Calls, texts, and chats may be answered by our AI Assistant Mary. Email instead