Referral partner program · Indi Mortgage Commercial Division
Your client needscommercial financing.Send them somewhere that answers.
- $50M+Commercial financing placed
- 18 daysAverage time to commitment
- 9 in 10Submitted files that get approved
- 30+Active referral partners
How it works
Four steps. Most of them are ours.
- 01
You refer
Send us the client — a name and a number, a quick intro email, or the partner form. No packaging the deal, no paperwork on your end.
- 02
We contact them within 24 hours
A commercial advisor reaches out within one business day, qualifies the deal, and takes it from there — so the relationship you built is handled with care.
- 03
You track progress
Follow the file through your partner dashboard, from first contact to commitment to funding, without chasing anyone for an update.
- 04
The deal funds
We place the financing with the lender that fits it, the deal closes, and your client remembers that you're the one who pointed them somewhere that delivered.
Your partner dashboard
Watch every referral move.
The moment you refer a client, they appear on your dashboard — and stay there through every stage of funding. No black box, no chasing anyone for an update. You always know exactly where your client stands.
- Every referred deal, from first contact to funded
- Live stage status without a single follow-up call
- Only your own referrals — private to you
- Funded
- Commitment Issued
- Underwriting
- Contacted
Sample data shown. TODO: the live partner dashboard is Phase 2 — it will pull real-time status from our Finmo-integrated intake app and show only the referring partner's own deals.
Partner tiers
The more you send, the more we do.
Every partner starts as an Associate and advances on the number of referrals that fund.
Rewards along the way — not just at the top
You don't have to reach a new tier to be recognized. Send five funded referrals and a bonus reward is on us, with something waiting at every milestone after that. The more your clients you send our way, the more there is to say thank you for.
Associate
Where every partner starts
- Partner dashboard access to track your referred deals
- A named commercial advisor as your point of contact
- 24-hour contact commitment on every client you send
- Co-branded materials to share commercial financing with clients
Advisor
5+ funded referrals in a rolling year
- Everything in Associate
- A bonus reward the moment your fifth referral funds
- Priority turnaround and a direct line to your advisor
- Quarterly deal-flow reviews to spot opportunities in your book
- An invitation to the annual partner event in Halifax
Principal Partner
15+ funded referrals in a rolling year
- Everything in Advisor
- Our top tier of partner rewards and recognition
- Co-marketing and joint client events
- Reserved seating and award eligibility at the annual event
- First look at new lending programs and capital
Tier thresholds and reward specifics are a suggested starting point — confirm them, and any partner reward structure, against Nova Scotia mortgage regulation and our principal broker's compliance requirements before publishing. Rewards are recognition-based; no referral fee, percentage, or basis-point figure is published here.
The annual partner event
One night a year, in Halifax, we say thank you properly.
Our partners are why deals reach us. Once a year we bring them together in Halifax to recognize the relationships that funded the most, solved the hardest problems, and looked after clients best. It's dinner, it's recognition, and it's a room full of the region's sharpest professionals.
Partner of the Year
Most funded referrals over the year.
Rookie of the Year
Strongest first-year partner.
Most Complex Deal
The referral that took the most creativity to fund.
Client Champion
The partner whose clients were served best.
Hosted by the Indi commercial team
Riley OickleCreative Financing
Matt ShalloCommercial Underwriting
Andrew HutchisonTax-Efficient Borrowing
Matt LegattoConstruction & Developments
Partner questions.
What does it cost me to become a partner?
Nothing. There's no fee to join the partner program and no obligation to send a minimum number of deals. You refer clients when it makes sense for them, and we handle the financing.
Do I get paid for referrals?
It depends on your profession. Where your regulator permits referral compensation — for example, many realtors — arrangements are structured and documented in writing. Where compensation isn't appropriate, such as for lawyers, CPAs, and licensed advisors, the relationship runs on reciprocal referrals, client outcomes, and recognition instead. We don't publish figures until they're confirmed against Nova Scotia regulation, and we set the arrangement to fit your profession's rules.
I'm a lawyer / accountant / advisor and my regulator restricts referral fees. Can I still partner?
Yes. The program is built for exactly this. Many of our most valuable partners can't accept a referral fee, so we structure the relationship around reciprocal deal flow, keeping clients and assets where they belong, and client outcomes — all within your regulator's independence and conflict-of-interest rules.
What kinds of financing do you actually handle?
Commercial and investment real estate across Nova Scotia: multi-unit residential and apartment buildings, CMHC MLI Select, construction and development, land, bridge and takeout financing, commercial refinancing and renewals, owner-occupied commercial property, and asset-based lending for businesses.
What happens to my client after I refer them?
A commercial advisor contacts them within one business day, qualifies the deal, and manages the financing through to funding. You keep the client relationship — we carry the mortgage file. You can watch it move through your partner dashboard without chasing updates.
How much work is it on my end?
As little as an introduction. Send a name and number, forward an email, or use the partner form. You don't package the deal, gather documents, or fill out an application — that's our job. If you'd rather stay hands-on, you can.
Will you keep me updated, or does my client just disappear into a black box?
You stay informed. The partner dashboard shows each referred deal moving through its stages — Referred, Contacted, Application In, Underwriting, Commitment Issued, Conditions, Funded — so you always know where things stand.
Is my client's information kept confidential?
Yes. Client information is handled under our privacy policy and used only to arrange their financing. We don't share it beyond what's needed to place the deal with a lender.
What area do you cover?
All of Nova Scotia — Halifax, Bedford, Dartmouth, and across the province. Our office is at 30 Damascus Rd, Suite 212, Bedford, NS.
How do I get started?
Apply through the partner form below. We'll reach out to set up your dashboard, introduce your advisor contact, and walk through how referrals work for your profession.
Become a partner
Apply to partner.
Tell us who you are and how your clients reach you. We'll follow up to set up your dashboard and walk through how referrals work for your profession. No cost, no commitment.