This network runs on Sarah.
Deals move in hours, not days. Sarah reaches you directly — her voice today, and her texts from ☎ 1-888-BANKROLL the moment the carrier registration clears — and she expects the same responsiveness back. These are the plain-English rules every Capital Partner agrees to.
Text-first, always
First-look alerts, reminders, and status requests arrive by SMS. There's no partner office line — text Sarah, or call 1-888-BANKROLL and ask for her.
Respond within 24 hours
An offer or an explicit "pass" both count. Not sure? Text Sarah and she'll review the file with you. Silence is the only wrong answer.
Weekly check-in
Once a week Sarah texts you for a status on open deals and asks how we can help. A one-line reply keeps you in good standing.
Communication rules
Short version: answer your texts, and tell us what's happening with the deal.
This network runs on Sarah — voice first, texts right behind
Deal alerts, first-look offers, and reminders come straight from Sarah — by voice and call-back now, and by text from 1-888-BANKROLL the moment her carrier registration clears. There is no inbound office line for partners — call 1-888-BANKROLL and ask for Sarah.
You must respond to deal texts
Reply to every first-look alert within 24 hours — an offer or an explicit pass both count. Silence is treated as a miss.
Expect a weekly check-in
Every week you'll get a short text from Sarah asking for a status on your open deals and whether you need anything. Keep us informed — a one-line reply is enough.
Sarah reviews the file
If you're unsure about a deal, text Sarah and she'll review it with you before you respond. Asking is never held against you; ignoring the text is.
One warning before anything happens
At 2 missed first-look leads you get a written warning by text and email. Nothing is retained and no metro is released until after that warning.
You can opt out
Reply STOP to any message to stop texts, or HELP for help. Opting out of SMS means we can't route first-look deals to you, so your metro will be released with a full refund.
How routing actually works
Read this before you assume a lead was missed — it answers most routing questions.
Apply first — read the brief before opening a desk
The moment you submit a partner application we email you a full onboarding brief: how a deal reaches you, the 25% success fee, what the advertising desk covers, and what we expect back. Read it before opening any desk so nothing about the fee is a surprise.
You can open as many squares as you can cover
Each square is one loan category in one metro, starting at $100/month and priced by category band and territory. It covers every lead tier in that category, and squares you already hold only reprice at their next renewal.
We never publish who holds a metro
Availability, partner counts, and waitlists are never shown on the site. Nobody can see whether a territory looks 'open' or 'full', and no partner is ever told who else holds their metro.
A metro reservation is priority, not exclusivity
Your desk seat buys first-look priority in that category and metro — it does not make you the only partner there. Up to 5 partners can hold the same square, and routing picks who sees a deal first on a fair rotation so a live borrower is never left waiting.
Deals go out as a staged blast — first to respond takes it
A new deal is texted to the top 2 partners in rotation at the same time. Whoever responds first takes it. If neither responds inside the race window (15 minutes on HOT and Platinum files, 30 on Gold, 60 on Bronze and Silver), the deal opens to every other active seat-holder in that square — still first to respond.
Losing a race is not a miss
The race window decides who gets the deal. The 24-hour SLA is separate: it's the accountability clock. If you're in a closing and someone beats you to a file, nothing is held against you. A miss is 24 hours of total silence on a deal you were alerted to — that's what counts toward a warning.
Not every lead in your metro will come to you
Leads are matched on program fit, loan size, licensing, your stated rate ranges, your daily cap, and how quickly you've been responding. Priority partners see qualified deals first, then it rotates. A deal you didn't receive usually means it didn't match your fields — not that routing is broken.
Don't test the system with a fake lead
Submitted test, fake, or self-referred intakes are screened out and will not route to you, so they prove nothing. They also pollute the borrower pipeline. If you want to verify your routing, text Sarah and ask for a routing check — we'll confirm your live fields, rank, and cap in writing, usually same day.
Repeat fake submissions are treated as misrepresentation
One test intake gets a heads-up text and gets deleted. Continued fake or duplicate submissions fall under the fraud and misrepresentation rule below — desks closed and account terminated.
How the split works
Our success fee is always a flat 25% of the gross compensation on a funded deal — your points and fees, never the loan amount. What changes is how much of the rest you keep, and that depends on how much of the work you do. Examples below assume $10,000 in gross compensation.
You package and submit
You collect the file, structure the loan, shop it to your own lenders, clear conditions, and coordinate the close. No closer needed.
- You
- 75% · $7,500
- Licensed closer
- None
- Bankroll
- 25% · $2,500
The standard desk deal. You do the origination work, you keep the large majority.
You package, a licensed closer submits
You build the package and stay on the borrower. A licensed category closer takes lender submission, compliance, and the regulated origination.
- You
- 50% · $5,000
- Licensed closer
- 25% · $2,500
- Bankroll
- 25% · $2,500
Most common when the category or state needs a license you don't hold.
You introduce only
You confirm the deal is real and hand it over. The closer collects docs, packages, submits, and closes it end to end.
- You
- 25% · $2,500
- Licensed closer
- 50% · $5,000
- Bankroll
- 25% · $2,500
A clean referral. Less work, smaller share — and no obligation past the introduction.
What our 25% obligates us to
Our share never moves
25% of gross compensation on a funded deal, in every scenario above. We don't scale it up when you do less work, and we don't take a cut of deals you originate outside the network.
We grow by adding desks, not by raising the fee
More categories, more metros, and premium territories are how the network gets bigger. Your percentage stays the same as we scale.
When we supply the closer, we own the outcome
If the deal needs a licensed category closer, we source them, vet the license, set the split in writing before you work the file, and stand behind delivery. That obligation is ours, not yours.
What we owe you either way
Funded advertising in your market, first-look routing inside your category and metro, a scored and screened borrower, and Sarah on the file whenever you want a second read.
Split is agreed before you work
No scenario is decided after a deal funds. The scope, and therefore the split, is confirmed by text when the lead is assigned — so you always know your number before you spend time.
What counts as going dark
It's measured, not a judgment call. Either of these triggers the process:
- ▸3 consecutive first-look leads with no response inside 24 hours
- ▸21 consecutive days holding a metro with zero responses or offers
You always get a warning first
At 2 missed first-look leads we send you a written warning by text and email. Nothing is retained and no metro is released until after that warning — and replying to it resets your count.
Separately, an accepted offer that hasn't funded within 45 days is flagged as stalled. Sarah checks in with the borrower, and if the file is dead we may re-open it to the network.
Your monthly metro desk fee
A desk claims one loan category in one metro, across every lead tier. Desks start at $100 a month and are priced by category band — entry lanes $100, core lanes $150, premium lanes $250 — with a multiplier on premium and statewide territories. Take as many squares as you can genuinely answer. No contract and no term: cancel in one text and the seat runs out the period you already paid for. If a new square produces zero first-look leads in 30 days, that month is refunded. Pricing published today applies to new squares; existing squares reprice at their next renewal, never mid-term. The fee funds advertising in that market. When a deal there funds, everything you've paid on that metro becomes a credit against your 25% success fee — capped at the success-fee amount, never paid back as cash. Apply first: we email the full onboarding brief before you put any money down.
| Situation | Desk fee outcome |
|---|---|
| You close a deal through the network in that metro | Every desk fee you've paid on that metro becomes a credit against your 25% success fee at close — capped at the success-fee amount, and never a cash refund. If we produce, the advertising ends up free |
| Your first 30 days on a new square produce zero first-look leads | That month is refunded in full to your card, no questions. We only get paid when the desk actually rings |
| You want out | Cancel any month in one text. The seat runs to the end of the paid period, then stops. No contract, no term, no clawback — you keep every deal already in your pipeline |
| Premium territory (Greater LA, Orange County, San Diego, Bay Area, Statewide) | Months already billed are non-refundable advertising placement — marked on the square before you pay |
| We release or terminate the territory (program change on our side) | The unused portion of your current period is refunded in full |
| Went dark — 3 first-look leads with no response inside 24 hours, or 21 days of zero activity | Desk seat suspended and billing stopped: leads stop routing to you in that category and metro. The current period is not returned. Text Sarah to reactivate |
| Fraud, misrepresentation, or licensing violation | All desk seats closed, nothing refunded, account terminated |
A desk fee is an advertising placement, not a lead purchase and not a subscription — it covers the marketing spend that produces the first-look leads reserved for you. Go dark and the seat is suspended rather than refunded. The success fee remains a flat 25% of the compensation you earn on the deal — your points and fees, not the loan amount — payable only when a deal closes.
The credit, in plain English
No fine print here — these are the questions every partner asks before putting a card down.
Is my desk fee refundable when I close a deal?
No cash changes hands — instead, every desk fee you've paid on a metro becomes a credit against the 25% success fee on your first funded deal in that metro. Example: you've paid $600 in desk fees (six months at $100) and your success fee on the deal is $4,000. You owe $3,400 at close, because the $600 was already paid. The credit can never exceed the success fee, and it's never paid out as cash.
What if my desk fees are larger than the success fee?
Then the success fee is fully covered and you owe nothing at close. Example: you've paid $2,500 in desk fees and your success fee on the deal is $2,000 — the full $2,000 is credited, you owe $0, and the extra $500 stays as credit you can't cash out. The credit is always capped at the success-fee amount. Think of it as a use-it-there credit per metro: it exists to make your first close cheaper, not to pay you.
What if I never close a deal?
Then the desk fees were advertising spend, plain and simple — they bought the placement that put first-look leads in front of you. No success fee means nothing to credit, and there's nothing to refund. This is the real risk of a desk seat, and we don't pretend otherwise.
So why do partners stay month after month?
Because every month you stay, your accrued credit grows and your first close gets cheaper — a partner 12 months in has $1,200 already covered. Walking away forfeits that credit. One typical close returns years of desk fees many times over, so the math rewards staying at the table as long as the leads keep ringing.
Questions? Just ask Sarah.
Text or call ☎ 1-888-BANKROLL and she'll walk you through any of this — including a deal you're unsure about.
Message and data rates may apply. Reply STOP to opt out, HELP for help.