Funding is better with partners.

Outlay grows through the people who already know Canadian businesses — advisors, platforms and lenders. Bring us the relationship; we bring the capital, the structuring and the follow-through.

Become a partnerExplore programs
3partner programs
6+funding types to offer
15K+merchants in our partner network
1dedicated partner contact
01
Referral partners

Advisors & brokers

Accountants, bookkeepers, fractional CFOs, consultants and independent brokers whose clients need capital.

You refer→We structure & fund→You earn

Recurring revenue share

Earn a % of Outlay’s revenue on every client you refer.

Your client stays yours

We never market around you. You stay the trusted advisor.

Deal visibility

Know where each referral stands, from application to funding.

Every product

One referral partner for factoring, advances, PO, equipment and more.

02
Distribution partners

Platforms & networks

Logistics providers, software platforms, marketplaces, suppliers and associations that reach thousands of businesses.

Embed→Your customers apply→Outlay funds

White-label or co-brand

Launch “Your Brand Capital, powered by Outlay” — or a simple referral link.

Payment terms at checkout

Let customers split invoices into weekly payments while you get paid upfront.

New revenue line

Earn on every funded customer without taking credit risk.

Higher retention

Customers with access to capital buy more and stay longer.

03
Capital partners

Lenders & funders

MCA funders, factoring companies, equipment lessors, private credit and family offices seeking quality Canadian SMB deal flow.

We source→We package→You fund

Pre-qualified files

Complete, well-packaged submissions that match your credit box.

Proprietary deal flow

Access merchants from our distribution partners you won’t find elsewhere.

Co-lending

Participate alongside Outlay’s own capital on select deals.

Canadian expertise

A team that knows the Canadian market and regulatory landscape.

Get started

Let’s talk.

Tell us a bit about you. Our partnerships team will reach out within 1 business day.

FAQ

Partner questions.

Is there a cost to become a partner?

No. There are no fees to join any Outlay partner program.

When are referral payments made?

Monthly or quarterly, depending on volume.

Do distribution partners take on credit risk?

No. Outlay and its capital partners carry the credit risk on every funded deal.

© 2026 Outlay Capital. Outlay arranges and provides commercial financing for businesses. Not available for personal or consumer use.