Free Resource
A 15-page practical guide for accountants and CPAs who want to help their small-business clients access capital — and earn a commission doing it.
The CPA's Guide to Alternative Business Funding
One Park Financial · 2026 Edition
7 chapters written for CPAs and accountants. No jargon, no fluff — just what you need to have informed conversations with your clients.
Your clients will encounter funding gaps whether you prepare them or not. When the bank says no, the next call goes to a Google search — not to you. This chapter shows why staying informed is part of your advisory duty.
A plain-English breakdown of the five most common products: Merchant Cash Advances, Revenue-Based Financing, SBA Express loans, Equipment Financing, and Invoice Factoring — including approval criteria, cost of capital, and best-fit scenarios.
A decision tree you can use in client conversations. Covers the four triggers that signal alternative funding readiness: seasonal cash flow pressure, equipment needs, expansion opportunities, and payroll gaps.
The mechanics of a referral arrangement — what you do, what the funder does, and how you get paid. Includes a plain-English summary of AICPA Rule 503 (Commissions and Referral Fees) and the written disclosure requirement.
Three real-world scenarios: a restaurant owner who needed $50K for renovations, a construction company approved for $75K, and a wholesale distributor who used an MCA to bridge a seasonal cash gap.
A step-by-step checklist: apply as a partner, complete the disclosure requirement, identify your first three clients, and make the introduction. Most partners refer their first deal within 30 days of approval.
Clear definitions for factor rate, retrieval rate, holdback percentage, split funding, stacking, and 15 other terms you will encounter when evaluating funding proposals with clients.
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For CPAs & Accountants
The guide is step one. Step two is applying to the partner program and earning $500–$2,500 on your first referral.
Join the partner program in 3 minutes. Start referring clients this week — no cost, no contract, no sales pressure.
One Park Financial partner program is operated by authorized independent partners. One Park Financial, LLC is not a lender. Funding products are offered by our network of funding partners. Partner compensation varies by deal size, program tier, and product type. Past performance is not indicative of future results. OPF does not fund in California or New York.