How Commercial Finance Partnership works
A single, consistent process — from your first login to the last distribution.
STEP 1
Register your business
Create an account as a merchant or lender. Merchants add a business profile: legal name, sector, registration number, years trading, and approximate annual revenue.
user_profiles row createdmerchant_profiles row createdSTEP 2
Form or join a group
Groups need at least four verified merchants and a nominated leader. Members agree contribution percentages up front — these drive both the funding split and repayment share.
groups row (status: forming)group_members rows with contribution_percentageSTEP 3
Upload and verify documents
Each member uploads a business license, tax ID, government photo ID, and proof of residence. Optional: a recent bank statement and short business plan. Documents are checked and scored.
documents rows (status: pending → approved)merchant_profiles.verification_score updatedSTEP 4
Submit one joint financing request
The leader submits a single request for the whole group: total amount, term, and purpose. A per-member breakdown is generated from the agreed contribution percentages.
financing_requests row (status: submitted)financing_breakdown rows per merchantSTEP 5
Underwriting review
Our team reviews documents, verification scores, and sector risk. Identity and sanctions screening (KYC/KYB, OFAC) runs on every member. You may be asked for clarifications.
status: under_reviewactivity_logs entries for each review actionSTEP 6
Offer and acceptance
If approved, you receive an offer with the final rate, term, fees, and a plain-language cost-of-credit summary. The group leader accepts on behalf of all members.
status: approvedinterest_rate and approved amounts finalisedSTEP 7
Disbursement and repayment
Funds are disbursed to each member per the breakdown. A fixed monthly repayment schedule begins, visible to every member in the dashboard.
status: funded → repayingrepayment_schedules rows generated
Compliance program aligned with U.S. federal frameworks
SBA
Independent agency of…
CFPB
Independent bureau within…
FinCEN
Bureau of the…
FDIC
Independent agency created…
IRS
Bureau of the…
Treasury
Executive department of…
Commercial Finance Partnership is not a government agency and is not endorsed by any agency shown. Read our compliance overview
Roles
Who does what
Four roles keep group financing accountable on both sides.
Merchant
- Registers a business and completes verification
- Forms or joins a group and agrees a contribution share
- Receives funds and repays their portion on schedule
Group leader
- A merchant who also coordinates the group
- Submits the joint financing request
- Owns communication with Commercial Finance Partnership
Verifier
- Reviews uploaded documents against the standard
- Approves, rejects, or requests re-upload
- Every action is written to the audit log
Lender
- Browses funded and forming opportunities
- Provides capital against group guarantees
- Tracks returns and repayment performance
Platform
Everything a merchant group needs
Built around the way small businesses actually borrow together.
Community groups
Combine standing with merchants in your sector and region.
Shared verification
A single, consistent document standard builds mutual trust.
Smart pricing
Rates reflect group size, verification score, and term.
Fast decisions
Most complete applications are decided in 7–14 days.
Repayment dashboard
Track every installment and payment status in one place.
Cross-border ready
Operating in 50+ countries through local banking partners.
Try the numbers first
Use the financing calculator to see indicative group payments before you apply.