Turn Declined Opportunities Into Revenue
Capably partners with commercial banks to monetize loan requests that fall outside your credit box — without adding risk to your balance sheet.
A Seamless Extension of Your Lending Team
When a creditworthy borrower doesn't fit your current parameters, the traditional answer is a decline. Capably offers a better option: a confidential referral relationship that keeps your client relationship intact while generating fee income for your institution.
We work exclusively with banks and credit unions, operating as a discreet, professional extension of your team. Your clients receive the financing they need; your institution earns a referral fee and retains the relationship.
How the Partnership Works
Referral Submission
Your team submits a confidential referral for a loan request that falls outside your credit policy — too large, wrong structure, or non-conforming collateral.
Rapid Assessment
Capably evaluates the opportunity within 48 hours and provides a preliminary term sheet or clear explanation of why the credit cannot be structured.
Transparent Communication
We keep your team informed at every stage. Your client relationship is protected — we present as a partner of your bank, not a competitor.
Fee Income to Your Institution
Upon successful closing, your institution receives a referral fee. No balance sheet exposure, no regulatory capital requirement, no servicing obligation.
Why Banks Choose Capably
Preserve Client Relationships
Avoid losing a valued client to a competitor simply because their current request doesn't fit your box.
Generate Non-Interest Income
Referral fees represent pure non-interest income with zero credit risk or capital allocation.
Confidential and Discreet
We operate as an extension of your team. Borrowers experience a seamless, professional process.
No Compliance Burden
Capably handles all underwriting, documentation, and closing. Your team simply makes the introduction.
Nationwide Capabilities
We can structure and close transactions in all 50 states, regardless of your institution's geographic footprint.
Experienced Counterparty
Our team has decades of commercial banking experience. We understand your regulatory environment and credit culture.
Ready to Discuss a Partnership?
Reach out confidentially to explore how a referral relationship with Capably can benefit your institution.