Last Updated: 6/30/26
Effective Date: 6/30/26

This Agreement governs referral participation, referral submission, referral account use, compensation eligibility, and payout terms for OnPurpose programs.

1. Agreement Acceptance and Applicability

This Funding & Business Credit Referral Agent Agreement (the “Agreement”) applies to each referral agent, referral partner, affiliate, strategic partner, volume partner, or other person or entity that participates in the OnPurpose Real Estate Solutions LLC referral program (each, a “Referral Agent”).

Referral Agent accepts this Agreement by submitting a referral, using an OnPurpose referral link, using or accessing an OnPurpose referral account or portal, or continuing to participate in the OnPurpose referral program after this Agreement is made available.

This Agreement controls all referrals submitted to OnPurpose on or after the Effective Date shown in the portal, email notice, referral account, or referral program notice, and all continued referral program participation after that date.

Any OnPurpose authorization required under this Agreement must be issued through the OnPurpose portal, referral account, email, or other written OnPurpose communication. Verbal statements, informal messages, prior conversations, or unapproved marketing language do not change payout terms, referral protection, or Referral Agent authority.

2. Prior Agreements Replaced

This Agreement replaces and supersedes all prior oral or written referral agreements, referral payout arrangements, broker/referral understandings, partner agreements, emails, text messages, conversations, marketing statements, payout schedules, or other prior terms between OnPurpose and Referral Agent concerning referrals, referral compensation, referral payouts, referral account use, or participation in the OnPurpose referral program.

No prior agreement, prior payout, prior conversation, prior course of dealing, marketing language, or informal statement will modify this Agreement unless OnPurpose updates the referral terms in the portal or issues a written program update that expressly replaces this Agreement.

3. OnPurpose Programs Covered

This Agreement covers referrals for OnPurpose business-purpose programs, including non-owner-occupied real estate funding, investment property funding, commercial real estate funding, business loans, business lines of credit, working capital solutions, business credit programs, business credit education, business credit-building guidance, business profile and entity-readiness support, business funding preparation services, and any other business-purpose funding or business credit program offered or arranged by OnPurpose.

OnPurpose may add, remove, modify, pause, or discontinue any program at any time.

4. Business-Purpose / Non-Consumer Use

Referral Agent agrees to refer only business-purpose, commercial, investment, non-owner-occupied, or business credit-related opportunities to OnPurpose.

Referral Agent shall not market, offer, solicit, refer, or represent OnPurpose funding programs as consumer-purpose, owner-occupied, personal, family, or household-purpose mortgage financing.

Referral Agent shall immediately notify OnPurpose if Referral Agent becomes aware that a prospective client intends to use loan proceeds primarily for personal, family, or household purposes or intends to occupy a property as a primary residence.

5. Role of OnPurpose

OnPurpose may act as a direct lender, funding source, broker, funding consultant, capital arranger, referral partner, business credit consultant, education provider, or placement provider depending on the program, transaction structure, funding source, state requirements, and applicable law.

Where licensing, broker participation, referral structure, disclosure requirements, or state-specific compliance is required, OnPurpose may work with, refer to, coordinate through, or place the transaction with licensed lenders, brokers, referral partners, private lenders, capital sources, business credit providers, or other approved partners.

OnPurpose has sole authority to accept, decline, submit, structure, price, approve, conditionally approve, deny, close, enroll, cancel, or withdraw from any referred transaction or program.

6. Referral Agent Role and Restrictions

Referral Agent’s role is limited to making introductions and referring potential clients or funding opportunities unless OnPurpose authorizes additional activity and that activity is permitted by applicable law.

Referral Agent may share OnPurpose-approved marketing materials, direct prospects to OnPurpose’s website, referral link, intake form, application link, calendar link, portal, or authorized process, and provide basic referral information such as prospect name, contact information, business name, property address if applicable, requested loan amount, funding need, program interest, and general referral notes.

Referral Agent shall not quote rates, fees, terms, loan amounts, credit limits, approvals, underwriting decisions, credit outcomes, or closing timelines unless OnPurpose authorizes that specific communication.

Referral Agent shall not promise or guarantee funding, approval, credit improvement, tradeline approval, business credit approval, credit score improvement, credit limits, or specific results.

Referral Agent shall not negotiate loan or program terms on behalf of OnPurpose or any funding source, collect advance fees or program fees from clients on behalf of OnPurpose, alter OnPurpose-approved materials, or represent that Referral Agent has authority to bind OnPurpose.

7. Business Credit Program Limitations

OnPurpose business credit programs are intended to support business owners with business credit education, business credit-building strategy, business profile readiness, entity-readiness guidance, vendor/account preparation, funding preparation, or related business credit support.

Referral Agent shall not describe OnPurpose’s business credit program as credit repair unless OnPurpose expressly authorizes that description.

Referral Agent shall not promise, guarantee, or represent that any client will receive a specific credit score increase, credit approval, business credit limit, funding amount, tradeline approval, vendor account, credit card approval, loan approval, deletion of negative credit items, removal of accurate credit information, or specific funding outcome.

Referral Agent shall not advise any client to create a false identity, misrepresent business ownership, misrepresent income, misrepresent business history, misuse an EIN, use another person’s Social Security number, submit false information, dispute accurate credit information, or take any action that is unlawful, misleading, deceptive, or fraudulent.

8. Referral Submission and Acceptance

To be eligible for compensation, Referral Agent must submit the referral to OnPurpose through an approved referral link, portal, referral account, email, intake form, CRM, tracking link, or other OnPurpose-approved submission method.

A referral is accepted only when OnPurpose confirms acceptance, assigns the referral to Referral Agent in the portal or CRM, or begins working the file after identifying the referral as originating from Referral Agent.

OnPurpose may reject or decline any referral for duplicate submission, existing relationship, prior contact, prior application, non-eligible program type, compliance concerns, licensing concerns, insufficient documentation, borrower ineligibility, business ineligibility, property ineligibility, credit program ineligibility, funding source limitations, or any other legitimate business reason.

9. Protected Referral Period

An accepted referral is protected for twelve (12) months from the date OnPurpose accepts the referral.

During the protected period, Referral Agent is eligible for compensation if the referred client closes an eligible funding transaction through OnPurpose or an approved OnPurpose funding partner, or enrolls in and pays for an eligible OnPurpose business credit program, and all payment conditions in this Agreement are satisfied.

Protection applies only to the referred client, borrower entity, business, property, project, transaction, or program submitted and accepted by OnPurpose, unless the portal or CRM record identifies broader protection.

10. Referral Compensation and Payout Schedule

Referral compensation is not earned merely because Referral Agent submits a referral. Referral compensation is earned and payable only when all of the following are true: the referral was properly submitted, the referral was accepted by OnPurpose, the referred client closes an eligible funding transaction through OnPurpose or an approved OnPurpose funding partner or enrolls in and pays for an eligible OnPurpose program, OnPurpose actually receives compensation, Referral Agent has complied with this Agreement, and Referral Agent has completed portal setup and uploaded a completed IRS Form W-9.

The payout tier assigned to Referral Agent in the OnPurpose portal or referral account at the time the accepted referral is submitted controls the payout for that referral. If no tier is assigned in the portal or referral account at the time the referral is submitted, Tier 1 applies.

Referral Compensation Base means the eligible origination fee, lender fee, broker fee, placement fee, referral fee, success fee, consulting fee, or program fee actually earned and received by OnPurpose from the eligible closed transaction or eligible paid program.

Referral Compensation Base excludes processing fees, application fees, administrative fees, underwriting fees, credit report fees, appraisal fees, valuation fees, inspection fees, title fees, legal fees, recording fees, escrow fees, wire fees, taxes, insurance costs, third-party fees, pass-through costs, reimbursed expenses, refunded amounts, charged-back amounts, clawed-back amounts, or any amounts not actually received and retained by OnPurpose.

Referral Agent is paid according to the payout table below. The assigned tier shown in the OnPurpose portal or referral account controls the payout for that accepted referral. The listed payout is the complete referral payout for that referral and is not combined with any other tier, bonus, point equivalent, or percentage.

Payout Schedule

Tier 1 — Basic Referral Partner
Referral activity / qualification: Shares referral link or makes a basic introduction. Client completes intake/application through the approved process.
Payout: 15% of Referral Compensation Base
Example if Referral Compensation Base = 3 points: 0.45 points

Tier 2 — Qualified Referral Partner
Referral activity / qualification: Provides a warm introduction and basic deal details, such as client contact, business name, funding need, property address if applicable, and requested loan amount if known.
Payout: 25% of Referral Compensation Base
Example if Referral Compensation Base = 3 points: 0.75 points

Tier 3 — Strategic / Volume Partner
Referral activity / qualification: Provides consistent quality deal flow, repeat referrals, stronger client handoff, complete intake support, or strategic relationship value that helps OnPurpose review, structure, and close eligible transactions.
Payout: 33.33% of Referral Compensation Base
Example if Referral Compensation Base = 3 points: 1.00 point

Tier 4 — Broker-Level / Approved Partner

Referral activity / qualification: Provides broker-level support, deal packaging, borrower communication, or licensed/approved activity where required and authorized.
Payout: 50% of Referral Compensation Base
Example if Referral Compensation Base = 3 points: 1.50 points

OnPurpose lender, origination, broker, placement, or program fees may range up to five (5) points depending on the loan program, transaction type, deal complexity, funding source, loan size, borrower profile, collateral, and final approval terms.

For illustration only, many standard transactions are priced at approximately three (3) points. The point-equivalent examples in the table are examples only and do not guarantee that any transaction will be priced at three (3) points.

If OnPurpose earns less than three (3) points, the referral payout adjusts proportionately based on the assigned tier. If OnPurpose earns more than three (3) points, the referral payout also adjusts proportionately based on the assigned tier. Referral compensation is calculated from the Referral Compensation Base and does not include processing fees, third-party fees, pass-through costs, or reimbursed expenses.

If the referral does not close, fund, enroll, or produce compensation actually received by OnPurpose, no referral compensation is earned or owed.

11. Payment Timing

Referral compensation that is earned and payable will be initiated after the transaction closes, funds clear, OnPurpose receives its compensation, the referral portal setup is complete, and Referral Agent has uploaded a completed IRS Form W-9 through the OnPurpose portal.

OnPurpose will initiate payment within twenty-four (24) to forty-eight (48) hours after funds clear and all payout requirements are satisfied, unless one of the payment-delay conditions below applies.

Payment may be delayed by bank processing times, holidays, weekends, missing W-9, incomplete portal setup, incorrect referral account information, compliance review, funding source delay, refund, chargeback, clawback, reversal, dispute, or other payment issue outside normal processing.

If OnPurpose does not receive compensation on a transaction or program, no referral compensation is earned or owed.

If compensation received by OnPurpose is reduced, refunded, offset, charged back, clawed back, disputed, canceled, reversed, or not collected, Referral Agent’s compensation may be reduced, delayed, offset, or subject to repayment in proportion to the amount affected.

12. W-9 and Portal Requirement

Referral Agent must complete referral portal setup and upload a completed IRS Form W-9 through the OnPurpose portal before any referral compensation is released.

OnPurpose is not required to release payment until the W-9 is uploaded, the referral account is active, and the payout requirements are satisfied.

Referral Agent is responsible for keeping portal information current and accurate.

13. Duplicate Referrals, Existing Relationships, and Client Selection

Referral Agent does not own or control any client, prospect, business, property, transaction, or program opportunity.

Client selection controls communication and referral credit. If a client identifies a referral agent in writing, through the OnPurpose portal, through the referral process, or through another OnPurpose-approved communication channel, that client selection controls referral credit for the current transaction or paid program, provided the referral was properly submitted, accepted, and all payout requirements are satisfied.

A prior relationship with a client does not create referral protection or a right to payment by itself. A referral agent is paid only when that agent is connected to the accepted referral for the current closed transaction or paid program.

If the client does not identify a referral source, or if the client information is unclear, OnPurpose will review available records to determine referral credit. Records may include portal/CRM timestamps, referral link tracking, emails, text messages, referral documentation, written referral authorizations, prior OnPurpose records, and client input.

If a client does not want to work with or communicate through a referral agent, OnPurpose may work directly with the client. Referral compensation, if any, is based on client selection, accepted-referral records, and the payout requirements in this Agreement, not forced communication.

If client selection and available records do not support a protected referral for the current transaction or paid program, no referral compensation is owed.

14. No Unauthorized Client Fees by Referral Agent

Referral Agent shall not charge, collect, request, or receive any fee, deposit, advance fee, consulting fee, application fee, processing fee, broker fee, credit program fee, credit consulting fee, or other compensation from any referred client in connection with an OnPurpose referral unless OnPurpose authorizes the arrangement and the arrangement is permitted by applicable law.

Referral Agent shall not represent any fee as being charged by, required by, approved by, or payable to OnPurpose unless OnPurpose has authorized the fee.

Referral Agent’s compensation for OnPurpose referrals is limited to the referral compensation paid by OnPurpose under this Agreement unless OnPurpose authorizes another arrangement.

Nothing in this Agreement prevents Referral Agent from charging clients for separate services unrelated to an OnPurpose referral, provided that Referral Agent does not use OnPurpose’s name, programs, portal, funding relationships, referral process, marketing materials, or client access to support or collect such fees without OnPurpose authorization.

15. Compliance With Laws

Referral Agent agrees to comply with all applicable federal, state, and local laws, rules, regulations, licensing requirements, registration requirements, advertising rules, privacy laws, fair lending laws, anti-discrimination laws, consumer protection laws, commercial financing laws, credit services laws, credit repair laws, telemarketing laws, data privacy laws, and funding source requirements.

Referral Agent shall not engage in any activity that would require Referral Agent to be licensed, registered, or approved unless Referral Agent has the required license, registration, or approval and OnPurpose authorizes the activity.

OnPurpose will not release compensation if payment would violate law, funding source requirements, licensing requirements, investor requirements, program requirements, or this Agreement.

16. Marketing and Brand Use

Referral Agent may use only marketing materials, program descriptions, flyers, social media content, scripts, emails, websites, links, logos, or brand assets approved or provided by OnPurpose.

Referral Agent shall not create, publish, distribute, or advertise OnPurpose-related content that is false, misleading, deceptive, exaggerated, unsupported, or inconsistent with OnPurpose’s actual programs.

Referral Agent shall not make claims such as “guaranteed approval,” “no denial,” “instant funding,” “no underwriting,” “free money,” “100% approved,” “guaranteed credit increase,” “guaranteed business credit,” “guaranteed tradelines,” “guaranteed credit limits,” “erase bad credit,” or “delete all negative items.”

All marketing must make clear that funding, credit programs, business credit results, approvals, credit limits, terms, and outcomes depend on underwriting, approval, eligibility, client participation, documentation, business profile review, collateral review if applicable, title review if applicable, valuation if applicable, funding source requirements, and final conditions.

17. Confidentiality

Referral Agent agrees to keep confidential all non-public information received from OnPurpose or any referred client, including lender names, capital sources, pricing, rates, terms, underwriting feedback, borrower information, client documents, business information, credit information, loan structures, approvals, conditional approvals, funding strategies, business credit strategies, compensation structures, referral schedules, internal processes, and business relationships.

Referral Agent shall not disclose, share, sell, misuse, publish, forward, copy, or use confidential information except as necessary to perform permitted referral activities under this Agreement.

This section survives termination of this Agreement.

18. No Circumvention

Referral Agent shall not directly or indirectly circumvent OnPurpose by contacting, negotiating with, submitting deals to, closing with, enrolling with, or attempting to obtain compensation from any lender, investor, private lender, broker, referral partner, capital source, correspondent, affiliate, participant, representative, funding source, business credit provider, vendor, software provider, or program partner introduced, identified, contacted, negotiated with, or made available by OnPurpose.

Referral Agent shall not encourage or assist any client, borrower, investor, real estate professional, business owner, entrepreneur, or third party to bypass OnPurpose, avoid OnPurpose fees, or use OnPurpose’s funding relationships, lender access, business credit relationships, program access, term sheets, approvals, loan structures, work product, or confidential information to close, fund, enroll, or obtain services elsewhere.

This section survives termination of this Agreement for thirty-six (36) months.

19. Independent Contractor / Non-Exclusive Relationship

Referral Agent is an independent contractor and is not an employee, partner, joint venturer, franchisee, legal representative, officer, director, or agent of OnPurpose.

Referral Agent has no authority to bind OnPurpose, sign documents on behalf of OnPurpose, approve loans, issue commitments, make underwriting decisions, collect funds, negotiate loan terms, provide credit repair services on behalf of OnPurpose, promise credit outcomes, or represent that Referral Agent is employed by OnPurpose.

This referral relationship is non-exclusive. Referral Agent may refer business elsewhere, and OnPurpose may accept referrals from other referral agents, referral partners, brokers, lenders, affiliates, clients, investors, business owners, and other sources.

Nothing in this Agreement requires Referral Agent to refer any minimum number of clients to OnPurpose.

20. Taxes

Referral Agent is responsible for reporting and paying all taxes on compensation received under this Agreement.

OnPurpose may issue Form 1099 or other required tax reporting forms as applicable.

21. Indemnification

Referral Agent agrees to indemnify, defend, and hold harmless OnPurpose, its owners, officers, managers, members, employees, contractors, funding partners, affiliates, and representatives from any claims, damages, losses, liabilities, penalties, fines, costs, attorney fees, or expenses arising from Referral Agent’s breach of this Agreement, misrepresentation, false statement, misleading claim, unauthorized promise, unauthorized quote, unauthorized approval, unauthorized credit outcome, unauthorized commitment, violation of law or licensing requirement, unauthorized marketing, misuse of OnPurpose materials, collection or attempted collection of unauthorized fees, unauthorized credit repair or business credit claims, negligence, misconduct, fraud, or dispute with any client, referral source, broker, lender, funding source, program partner, vendor, or third party.

22. No Guarantee of Approval, Closing, Funding, Enrollment, or Results

Referral Agent understands that OnPurpose does not guarantee that any referral will be accepted, approved, funded, closed, enrolled, completed, or produce any specific result.

Referral Agent further understands that funding approvals, business loan approvals, credit approvals, business credit results, credit limits, program outcomes, and closing timelines depend on underwriting, documentation, eligibility, client participation, business profile, credit profile, collateral if applicable, funding source requirements, program requirements, and final approval conditions.

This section does not limit OnPurpose’s obligation to pay Referral Agent any referral compensation that is earned and payable under this Agreement.

23. Term and Termination

This Agreement begins on the Effective Date and continues until terminated by OnPurpose or Referral Agent.

Either party may terminate participation by written notice or by closing the referral account, subject to any surviving obligations.

Termination does not affect referral compensation already earned before termination or any obligations that survive termination, including confidentiality, no circumvention, indemnification, compliance, repayment, tax obligations, and dispute resolution provisions.

24. Governing Law and Venue

This Agreement shall be governed by the laws of the State of Georgia.

The parties agree that any dispute arising under this Agreement shall be brought in a court of competent jurisdiction in Fulton County, Georgia, unless applicable law requires otherwise.

Each party waives, to the fullest extent permitted by law, any objection to jurisdiction, venue, or inconvenient forum.

25. Attorney Fees and Collection Costs

If OnPurpose is required to enforce this Agreement, defend its rights, collect amounts owed, or respond to a breach by Referral Agent, the substantially prevailing party shall be entitled to recover reasonable attorney fees, court costs, collection costs, and related expenses.

26. Entire Agreement, Severability, Waiver, and Survival

This Agreement contains the entire understanding between the parties regarding the subject matter of this Agreement and supersedes all prior agreements, discussions, communications, or understandings, whether written or oral.

This Agreement may be amended only through an OnPurpose-issued program update, portal update, referral account update, or other OnPurpose-approved written update applicable to the referral program.

If any provision is determined to be invalid or unenforceable, the remaining provisions shall remain in full force and effect, and the invalid or unenforceable provision shall be modified to the minimum extent necessary to make it valid, enforceable, and consistent with applicable law.

No waiver of any right, obligation, or default shall be effective unless made by OnPurpose in writing. No waiver shall be deemed a waiver of any prior or subsequent right, obligation, or default.

All provisions relating to referral compensation limitations, repayment obligations, confidentiality, no circumvention, compliance, taxes, indemnification, attorney fees, governing law, venue, and any other provision intended to survive shall survive expiration or termination of this Agreement.

27. Referral Agent Acknowledgment

By participating in the OnPurpose referral program, Referral Agent acknowledges and agrees that this Agreement covers business-purpose funding, non-owner-occupied real estate funding, commercial funding, business loans, business lines of credit, working capital solutions, and business credit programs.

Referral Agent is not authorized to act as a lender, broker, loan originator, credit repair provider, employee, legal representative, or underwriting decision-maker for OnPurpose.

Referral Agent may only use OnPurpose-approved or OnPurpose-provided marketing materials and may not make false, misleading, exaggerated, or unauthorized claims.

Referral Agent may not promise funding, approval, credit improvement, business credit limits, tradeline approvals, credit score increases, or specific results.

Referral compensation is earned and payable only when a referral is properly submitted, accepted by OnPurpose, closes or enrolls in an eligible paid program, OnPurpose receives compensation, Referral Agent has complied with this Agreement, and payment is permitted under the Agreement.

Referral Agent may not collect fees directly from referred clients in connection with an OnPurpose referral unless OnPurpose authorizes the arrangement.

Referral Agent must complete portal setup and upload a completed IRS Form W-9 to the OnPurpose portal before payment is released.

Business Information

OnPurpose Real Estate Solutions LLC
Office: 16220 N. Scottsdale Road, Suite 300
Scottsdale, Arizona 85254
Phone: 602-497-4682
Email: [email protected]
Funding Website: funding.onpurposerealestate.com
Main Website: onpurposerealestate.com