Commercial Loan Placement Service Paid at Closing
PeerSense earns a referral fee at closing after matching a file with direct capital sources whose credit box fits.
The client pays PeerSense a referral fee at closing under a signed agreement, and nothing is paid before closing. PeerSense tracks 3,095 active direct capital source boxes, reads the file against them, and presents it only to sources whose box fits. The capital source sets its own terms and funds. Returned term sheets are laid side by side, and the client chooses. Desk records cover 150 files in the 12 months to October 28, 2026. The fee is due at closing.
How the closing fee works
PeerSense is paid by the client through a referral fee under a signed agreement. The fee is due at closing, and nothing is paid before closing. The capital source sets its own terms and funds the transaction. The desk reads the file against tracked source boxes and presents it only where the box fits. It lays returned term sheets side by side, and the client chooses among the terms received. The agreement governs the referral fee. This arrangement makes the payment timing clear while leaving terms and funding with the capital source.
Tracked program counts and timing facts
| Program category | Timing figure | Tracked programs in category |
|---|---|---|
| Bridge | Median 14 days to close | 72 programs |
| Construction | Median 14 days | 42 programs |
| Factoring | Median 2 days to fund once set up | 14 programs |
| Forward flow and warehouse | Median 17.5 days to a term sheet | 57 programs |
| Aircraft | Median 17.5 days to a decision | 5 programs |
What the placement desk does
PeerSense tracks 3,095 active direct capital source boxes. The desk reads the file against those boxes and presents it only to sources whose box fits. Capital sources review the files they receive, set their own terms, and fund. Term sheets that come back are laid side by side for the client to compare, and the client chooses. This process keeps the presentation tied to the source's stated criteria. The desk's work is matching and presentation, while the capital source controls its terms and funding.
Desk activity
Desk records cover 150 files in the 12 months to October 28, 2026. Commercial real estate accounted for 58 files, with 8 reaching terms or better. SBA accounted for 23 files, with 5 reaching terms and 3 funded. Factoring and asset based lending accounted for 7 files, with 1 reaching terms. These figures describe recorded activity in three desk categories during that period. The service itself focuses on matching each file to a source box that fits.
Tracked programs and timing
Tracked categories include bridge, construction, factoring, forward flow and warehouse, aircraft, and multifamily at $10 million and up. Their recorded counts are 72, 42, 14, 57, 5, and 78 programs, respectively. Timing medians are stated for bridge, construction, factoring, forward flow and warehouse, and aircraft. The measures cover different points in each process, including closing, funding once set up, a term sheet, or a decision. The desk view is that matching a file to the source box is the key placement judgment.
Discuss your placement
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Questions About This Topic
When is the PeerSense referral fee due?+
The client pays PeerSense a referral fee at closing under a signed agreement. Nothing is paid before closing. The capital source sets its own terms and funds the transaction. The signed agreement governs the referral fee, and the fee is due when the transaction closes. This sets out the payment timing for the placement service.
Who sets the terms of the commercial loan?+
The capital source sets its own terms and funds the transaction. PeerSense reads the file against tracked source boxes, presents it only to sources whose box fits, and lays returned term sheets side by side. The client chooses among the terms that come back. The client's referral fee is paid at closing under a signed agreement.
How does PeerSense match a commercial loan request?+
PeerSense tracks 3,095 active direct capital source boxes. The desk reads the file against those boxes and presents it only to sources whose stated credit box fits. Term sheets that come back are laid side by side, and the client chooses. The matching step determines which sources receive the file; each capital source sets its own terms and funds.
What timing does the desk track for programs?+
Tracked timing medians include 14 days to close for bridge and 14 days for construction. Factoring has a median of 2 days to fund once set up. Forward flow and warehouse has a median of 17.5 days to a term sheet, while aircraft has a median of 17.5 days to a decision. These measures describe different stages of each program process.
Related on PeerSense
Editorial integrity: Published by PeerSense Capital Advisory · Written by Ed Freeman, Founder. PeerSense sources capital through a curated network of commercial lenders and capital sources. Content is for educational purposes and does not constitute financial, legal, or tax advice. Rates and terms cited reflect market conditions at the published date and may not match current quotes. Consult a qualified professional for transaction specific guidance.