Referral Partners
If you're a real estate agent, contractor, attorney, CPA, or active investor, you see investor financing deals before we do. Send them our way and earn referral compensation when they fund — no licensing required for most roles, no monthly fees, no minimum volume.
How it works
The signup is short because you don't owe us anything until you actually send a deal. We collect your details so we know who's referring; the W-9 only comes due before your first payment.
STEP 01
Five minutes. We collect your name, contact details, role, and primary state. We confirm receipt within one business day with a partner reference number.
STEP 02
When you have a client who needs investor financing, send them to enijilending.com or email us directly. They list you on the quote form so the deal is attributed to you. We handle the loan from there.
STEP 03
When the loan funds, we issue your referral compensation within 7 business days of closing. Payment by check or ACH. We send a 1099 in January for the prior year's earnings.
Who refers
Most successful referrers are people who already work with real estate investors and see financing needs come up naturally. We're not looking for everyone — we're looking for partners who can authentically vouch for us to a client.
Buyer's agents and listing agents whose clients are actively buying or selling investment properties. You see DSCR, fix-and-flip, and bridge needs before anyone else.
You meet investors at the rehab stage. They often need fix-and-flip financing on their next project before the current one closes.
Your clients trust you on financial decisions. When they're scaling a portfolio or restructuring debt, you're the first call. Portfolio refi referrals from advisors close at high rates.
If you're already an investor and friends ask you "who finances your deals," referring them earns you something for the introduction you'd be making anyway.
You're already connecting buyers to deals. Adding a financing referral makes the buyer's path simpler — and earns you a second income stream on the same transaction.
You know which of your owners are scaling, refinancing, or struggling with cash flow. A timely portfolio refi referral can save an owner's quarter — and earn you a fee.
Compensation
Referral compensation is calculated as a share of the broker fee Eniji earns on the closed loan. The exact amount depends on loan size, product, and lender. Below are the typical figures across our four core products on a clean closing.
Exact compensation is confirmed per-deal based on the broker fee earned at closing. You'll see the figure on a referral confirmation before the loan closes — no surprises. Payment is by ACH or check within 7 business days of closing. 1099 issued in January for tax-year totals exceeding $600.
FAQ
The short answers below are practical guidance, not legal advice. For any question that turns on your specific licensing status or state law, consult your attorney before referring deals.
RESPA Section 8 prohibits referral fees on federally regulated residential mortgage transactions for owner-occupied properties. The loans Eniji facilitates are business-purpose loans for non-owner-occupied investment properties, which are generally exempt from RESPA. That said, state law varies — some states require referrers to be licensed in real estate or mortgage. We confirm referral eligibility per partner before paying. If you're a licensed real estate agent, that's typically the safest path. If you're not, we'll review your situation against your state's rules before proceeding.
Most states allow lay referrals on business-purpose loans without a real estate or mortgage license, as long as the referrer is not negotiating loan terms or representing themselves as a loan officer. You're an introduction, not a participant in the transaction. A few states have stricter rules. We verify per state before paying — if your state requires licensing for the role you're playing, we'll let you know during signup, not at closing.
Within 7 business days of the loan closing. We pay by ACH (preferred — faster) or check. Payments are tracked against your partner ID; you'll see a closing confirmation by email with the payment amount before it's sent.
Referral compensation is paid only on closed loans. If a deal drops or the client takes financing elsewhere, no fee is earned — but we never charge you anything either. There's no claw-back if a borrower defaults later.
Yes. If your client closes a fix-and-flip with us, then a year later refinances into DSCR, both transactions earn referral compensation. The attribution stays with you for the duration of the client relationship — typically 24 months from initial referral. After that we may need a re-referral to attribute new transactions.
In most cases, yes — and you should as a matter of professional integrity regardless of legal requirement. Your client should know you have a financial interest in the introduction, even though it doesn't affect their loan terms. Some state laws explicitly require disclosure for licensed agents and attorneys; verify your specific obligation. We provide a sample disclosure template upon request.
No, and no. Refer one deal a year or twenty. Send some clients to us and others to a different broker. We earn the relationship one deal at a time. If we're not the right fit for a particular scenario, we'll tell you.
When your client submits a quote request at enijilending.com, the form has a "Referred by" field. Have them enter your email address there. That ties the deal to your partner record. You'll get an email confirmation when we receive the deal, and another when it funds.
Sign up
Five minutes. We confirm receipt within one business day with a partner reference number. The W-9 is only requested before your first referral compensation payment, not at signup.
If you have a deal you'd like to refer right now, sign up here first. We'll reply within one business day with your partner ID, and you can immediately submit the deal at enijilending.com/#quote with that ID attached.