Welcome to the Affiliate Program!
First off, I just want to personally welcome you to our affiliate program.
If you know any business owners or investors, or anyone who wants to start a business and needs $100K–$200K+ in 0% interest funding, we can help. No documents, W2s, or tax returns required. And if they have a cash-flowing business or assets, there are even more funding options for them.
This document covers how our affiliate program works from A to Z, and details how deals are processed and completed.
If you have not yet gotten your affiliate link, get it here: https://affiliates.advisorhub.io/create-account
Who We Help
We serve nearly every type of business owner and investor, including:
Consultants and Coaches
Course Creators and Agency Owners
Restaurant Owners
Landscapers
Roofers and Contractors
Real Estate Investors
Solar Sales Teams
Insurance Agents
Private Lenders
Online Businesses
Blue-Collar Entrepreneurs
...and more
We've helped thousands of clients get funding and maintain a 4.8 rating with 230+ reviews.
We've also taught over 170 funding companies how to do what we do.
Minimum Funding Requirements
680+ credit score
(no need to pull reports yourself, just ask their estimate)
$5K–$10K+ personal credit card limits
No recent late payments
No collections
No bankruptcies

Even if they're at a 650 with no major negatives, it's worth talking to us, some have 650 because of high utilization which can be fixed.
If they need credit repair, our system automatically sends them to our credit repair team if they mark negative remarks on the form or if negative remarks come up with their initial soft-pull.
So send them either way, because we can help them either way, and you get paid either way.
How to Introduce Leads
There are two ways to refer people:
Send your affiliate link directly to them
The standard procedure.
Make a 3-Way Intro
Slightly better conversion. Message one of our admin members to assist with 3-way intros.
3-Way Intro Template
Text or DM:
"Hey [Name], I want to introduce you to John. His team helps business owners secure 0% interest funding up to $200K to scale their business or invest.
John, [Name] runs [type of business] and is looking to get funding for [goal]. You can book a call with his team below!
"Here's the link to fill out the form and get started:"
*https://www.impruvu.io/?uaff=*YOURLINK" (thats where YOUR affiliate link goes)

Important:
Send the text first, then the link second, or else the preview can ruin the message flow.
Our office hours are typically 7am-7pm PST, Monday-Saturday.
Tracking and Timeline
Tracking
Only partners can see where leads are at and internal notes, affiliates do not see internal notes of clients. If clients sign up and pay the $500 deposit then you will get an alert that they signed up and started the process. From there, it can take 2-6 weeks to get funding depending on the scope of what needs to be done and the type of funding they need.
It's best practice to track your deals independently in addition to the affiliate portal. For questions or status updates on deals, just message our admin team or email affiliates@impruvu.io.
Once they're connected, our team takes care of everything:
They fill out a quick onboarding form
They get access to their own client portal (secure login via one-time passcode)
They upload their credit reports (easy walkthrough video provided)
They book a call with one of our funding advisors
We build a full custom strategy to get them the max amount of funding
Timeline
  • Business credit cards (30-60 days) can be as soon as 2 weeks if client is prepared and depending on how big the stack is.
  • Unsecured loans (no docs) usually within 72 hours, up to 50k-70k
  • SBA loans 1 3 months
  • Business lines of credit 1-2 weeks but require proof of revenue, 500k in annual revenue = 50k BLOC (10%)
  • Working Capital Within 48 hours, also requires revenue, 25k/m minimum and lower scores eligible
Here's How the Process Works
Step 1
Client completes onboarding form at *https://www.impruvu.io/?uaff=*YOURLINK (YOUR LINK)
Step 2
They access our client portal using a secure one-time passcode
Step 3
They upload their credit report and book a call
Step 4
Our advisor reviews their profile and gives a custom game plan
Step 5
If they don't qualify, we refer them to credit repair or debt paydown support
Step 6
If they do qualify, they get a funding estimate
1
They pay a $500 refundable deposit and sign the client agreement
2
We build their custom funding roadmap with banks tailored to them
3
They open 1–3 bank accounts with our preferred banks (required for top approvals)
4
Once accounts are open, we book calls with our bank relationship managers
5
We walk the client through every single application
6
If they only want $30K–$50K, the process can take as little as 2 weeks
After Applying
  1. After applying, we:
  • Request credit limit increases
  • Reverse denials (if any)
  • Help remove credit inquiries if needed
  1. Cards arrive on a rolling schedule (usually 7–10 days after approval)
  1. Full process takes 30–60 days, please keep in mind that some can take longer or not even move forward after they pay because of life getting in the way or backing out
  1. If they need credit cleanup or go for larger rounds, it may take 60–90 days

Clients who are proactive and communicate move much faster. We understand not every client has a flexible schedule, especially W2 earners.
Keep in mind just because they PAY the deposit, doesn't mean they won't run into hiccups and get cold feet. I would say 70% to 80% of clients end up getting funded after submission.
Credit Repair Referrals
Credit repair follows the exact same process as funding referrals.
1
Step 1: Send your normal application link
If the client isn't ready for funding or knows their credit isn't strong enough, tell them to still complete the form — they can enter placeholder numbers.
2
Step 2: Automatic routing
The system automatically routes them to credit repair if they:
  • Mark a score below 580
  • Indicate late payments in the past 2 years
  • Or report collections / charge-offs
3
Step 3: Direct link option
For credit repair-only leads, you can send the link directly instead of doing a 3-way text.
What Happens Next
Once the client applies, our team reviews their credit report (they must upload it or have it collected via soft-pull) and provides:
A full quote + timeline for repair
Typical range: $1,000–$1,500 total
Flexible payment plans starting at $150/month
How Credit Repair Works
Credit repair is customized — every account and creditor is different. Some items come off within 1–3 months, while heavier cases can take 6–9 months.
The key point:
If they don't start, they never fix their credit.
Even if it takes several months, this process puts them on track to eventually qualify for $100K–$200K or significantly more in funding.
Frequently Asked Questions
❓ Do I need to qualify the lead myself?
Nope. You don't need to explain the whole offer. Just figure out if they have decent credit (700+ or close) and want funding to grow. If they say yes, we'll take it from there.
❓ Can I see notes and progress?
Unless you're a 50/50 PARTNER with CRM access, you won't be able to see notes or statuses. You will get notified when clients sign up and funding is approved. If you're a regular affiliate, this is to protect client data.
❓ Can I follow up with the team about a lead?
Please don't hound the team. This is why we send you the full timeline and let you know when payouts go out. If it's urgent and you need an update you can message our admin team or email affiliates@impruvu.io.
Referral Payouts
We pay 20% referral commissions
Anywhere from $1K to $4K+ per client. Clients typically get between $50K–$200K in funding.
Payment Schedule
Payouts are sent via PayPal every two weeks after funding is confirmed. We usually pay out on the 5–10th and 18–23rd of each month.
Commission Structure
The 20% is on the backend fee, so if someone got 100k, we charge 10k, and you get 2k.
Have Clients Doing $50K–$100K+ in Revenue?
If you have clients doing $50K–$100K+ per month in revenue and they can provide bank statements, we can help them secure larger funding options like:
Business lines of credit
SBA loans
Working capital for growth or acquisitions
These clients don't need perfect credit — strong financials are the key.

Please connect them directly with our admin team (text, DM, or email). We'll have the deal assigned to a senior partner on our funding team. You can also have them fill out your affiliate link, and then email affiliates@impruvu.io or message our admin team notifying us of the deal. We'll pull the file for closer review.
Lower Fees
We also charge less on these types of deals — usually 3% to 7%, depending on size and structure.
Better Commissions
The loans are bigger, so the commissions can be even better.
Let's help more business owners and entrepreneurs get the capital they need — and get you paid while you do it.
Welcome again to the team!