CUSTOMER FINANCING MADE EASY
Grow your business and earn commissions with BCS Lending ’s Affiliate Program
Easy, hands-off customer financing, at no cost to you. Your customers get low rates, high loan amounts and quick funding. You get more time to focus on what you do best. Leave the lending process to us — and earn a commission on every funded loan that you refer.
How Affiliate Program works:
Add tracking links to your website.
We provide you with content and custom links. Direct your customers to click these links.
Customer clicks through to bcslend.com.
Customer submits application on our website. We handle their approval and fund the customer directly.
Customer is funded, becomes a cash buyer.
You close more deals! Plus, you’ll receive a commission for every funded loan you refer.
Do you meet these requirements?
This is a link-based referral program only, not a broker or an indirect dealer program. Affiliates cannot act as brokers, or input any customer data into the application.
Must have a completed website that has been established for at least six months.
Primary messaging and site offerings should not target lower-credit consumers, as BCS Lending serves the needs of consumers with good to excellent credit.
All websites that will list BCS Lending must be submitted for review prior to having links added.
Do you meet these requirements?
Hands-off customer financing
No cost or hassle for you. Simply add a link to your site, and we’ll work directly with the customers you refer.
More buying power for your customers
Sell more by offering your customers the ability to finance their purchase, from $5,000 to $100,000, at low, fixed rates.
Targeted marketing content
Ready-to-use content, industry-specific landing pages, and comprehensive reports to help optimize your ads.
Earn commissions for referrals
Earn volume-based commissions for funded loans referred through your links.
Frequently asked questions
What are your rates?
BCS Lending’s rates are based on loan purpose, loan amount, loan terms, payment method, and the customer’s credit profile. All of our current rates and payments terms are visible before a customer applies or submits sensitive information.
To see our current rates, use the dropdown menu above the rate table on our homepage or any of our loan-purpose pages. Select the appropriate loan purpose to see potential rates and calculate monthly payments.
Can I buy down rates? Do you offer any no-interest financing options?
How much does it cost?
There is no cost or associated fees to you to offer BCS Lending financing to your customers. Our affiliate program is a referral program, so we pay a referral commission for funded loans to you instead.
There are also no fees, processing charges, or prepayment penalties for your customers.
I’m an auto dealer — do you offer indirect lending, or can we add BCS Lending into our lender software?
BCS Lending does not currently offer a traditional dealer program or indirect lending. BCS Lending loans are direct-to-consumer only — the customer must apply on our website themselves from their own device. If they are approved, we fund them directly.
Our affiliate program differs from a traditional dealer program in that it’s a link-based referral program. We provide you with trackable links to add to your website, and you refer your good-credit customers to click through these links to apply directly on our website.
All communications are between BCS Lending and the customer, and we fund the customer directly. You’ll also earn referral commissions for funded loans that come through these links.
I’m a broker — what are your broker percentages?
We do not offer a traditional broker program, or pay finder or lead fees. Our affiliate program differs from a traditional broker program as it is solely a website link-based referral program.
We provide you with trackable links to add to your website, and you refer your good-credit customers to click through these links to apply directly on our website. The customer must apply on our website themselves from their own device.
All communications are between BCS Lending and the customer, and we cannot share any customer information with affiliates.
I don’t have a website/am still building a website, can I join?
Not yet. We require companies to have professional business websites that are hosted on their own domain (not on a free host or social media page), that have been established for at least six months.
Can the loan fund be paid directly to me?
No, BCS Lending only deposits funds directly into the customer’s bank account, so they can return to you as a cash buyer.
After I'm approved for an affiliate account, what do I do next?
We’ll send you an email with information to help you get started, including our Quick Start Guide. This will explain how our affiliate program works, some ground rules, where to access pre-approved ads and tracking links (all content referring to BCS Lending must be pre-approved by us), and how to read your reports.
We’ll also identify the proper loan purpose your customers should use for your services or products (since our rates are based on loan purpose). We offer support for any additional questions or help that you may need too.
Where do I get login info to access my online affiliate account?
Our affiliate program uses a third-party platform — when you sign up, you’ll create a username and password, which is what you will use to log in into your account.
Once your account is approved, you’ll have access to our pre-approved marketing materials and tracking links for your website.
How will I submit credit applications? Can I submit the application on behalf of my customer?
Customers must apply on our website themselves from their own device, we cannot accept credit applications any other way.
When your customer is ready to apply, direct them to the page on your website that features BCS Lending . Then they can follow the link to our website where they will complete and submit the application.
We will contact them with an approval decision and if they are approved, we fund them directly, so they can return to you as a cash buyer.
Once my customer applies for a loan, what happens next?
We will contact the customer shortly with an approval decision. If approved, they just need to sign their loan documents online and set up their payment and funding preferences (they must choose a funding date within 30 days).
We deposit the funds directly into their bank account, so they can come back to you as a cash buyer.
That’s it! You are then free to set up a payment schedule with your customer. We do not need any purchase information, proof of completion or anything else from you.
You may check the number of applications that have been submitted and their status (submitted or funded) in your affiliate reports, however we cannot provide any personal information regarding applicants or applications.
Is the BCS Lending loan always unsecured? What information would you need from me about the purchase, or about the product or project?
All BCS Lending loans are unsecured. No home equity or appraisals are needed, and we do not need any information from you about the customer’s purchase.
By accepting our loan, the customer agrees that their loan proceeds will be used on the loan purpose they selected in their loan application.