Commercial Lending That Actually Closes Deals
Most brokers pitch you on their network. PeerSense shows you the capital sources that fund deals like yours — then connects you directly. No retainers. No monthly fees. We earn when you close.
What Sets PeerSense Apart
Most brokers are transactional — they match you with a lender and move on. PeerSense acts as your capital strategist throughout the entire financing process and beyond.
PeerSense identifies the right capital source from our network of 500+ lenders, private credit funds, and institutional sources — and makes the introduction. You get a straight assessment of where your deal fits and a direct connection to the source most likely to close it.
Collects your info, sends it to 20+ lenders, and waits for responses. You get flooded with calls from lenders who may or may not be a fit.
Evaluates your deal based on their credit box. If you don't fit, they decline — even if another lender would approve it immediately.
Works on your deal — analyzes structure, matches you to the right capital source from 500+ options, prepares you for lender conversations, and stays in the process until close. SBA loans to warehouse lines to forward flow agreements.
Most business owners apply to 3–5 lenders, get declined by all of them, and assume they can't get financing. The reality: they applied to the wrong lenders, structured the deal incorrectly, or didn't present it properly. PeerSense prevents that waste of time and preserves your credit inquiries for lenders who will actually close.
What We Do on Your Deal
How we help you navigate complex financing decisions
Assess the Capital Structure
Before you apply anywhere, we analyze your deal — what you're buying, how much you need, what equity you have, and what structure makes sense. This prevents wasted time with wrong lenders.
Match You to the Right Capital Source
We have relationships with 500+ lenders, private credit funds, and institutional sources. We know which ones fit your credit profile, deal size, industry, and timeline. You don't waste time with lenders who will decline.
Advise on Deal Structure
Seller note structures, equity injection strategies, program stacking (MARC + 504 + equipment lease), and timing coordination. These details determine whether you close or not.
Prepare You for Lender Conversations
Lenders ask specific questions. If you don't answer them correctly, you lose the deal. We prepare you so you don't lose deals to poor packaging or miscommunication.
Stay in the Process Until Close
We don't introduce you and disappear. We stay involved through underwriting, documentation, and closing. If issues arise, we help solve them. If the lender goes silent, we follow up.
The Difference This Makes
Most business owners apply to 3–5 lenders, get declined by all of them, and assume they can't get financing. The reality: they applied to the wrong lenders, structured the deal incorrectly, or didn't present it properly. A capital advisor prevents that waste of time and preserves your credit inquiries for lenders who will actually close.
How PeerSense Gets Paid
PeerSense earns a referral fee at closing — paid by the lender, the borrower, or split between both depending on how the deal is structured. The fee is established upfront in our agreement before any work begins, so there are no surprises at the table.
Nothing is collected before your deal closes. No application fees. No retainers. No money changes hands while we are still figuring out if you are a fit.
That last part matters more than people realize. A lot of advisors and brokers collect fees upfront — before a lender has reviewed your file, before anyone knows if the deal works. When it falls through, you paid and have nothing. We have seen it firsthand. Some of our best clients came to us after exactly that experience.
Our Fee Is Tied to Your Close
When PeerSense introduces you to a capital source, that relationship is tagged to us for three years. If you return to the same source for a refinance, expansion, or new deal, PeerSense earns on that transaction too. That means our team has a long-term financial stake in every introduction we make — not just in getting a deal to the table, but in getting it done right, with a source that treats you well and performs.
Advisors with no long-term stake in their introductions are incentivized to close fast and move on. We are incentivized to close right and stay in the relationship. That is why most PeerSense clients do not need to start over on their next deal. The introduction is already made, the history is already known, and the next transaction moves faster.
When PeerSense Makes the Difference
Acquisitions Where Structure Determines Cash at Close
Seller note structuring, equity injection strategies, and program stacking can mean the difference between writing a $500K check and writing a $50K check — or no check at all.
Manufacturers Who Can Stack Multiple Programs
MARC for working capital + SBA 504 for your building + equipment lease for your production line. Most operators don't know this is possible. Most banks won't tell you.
Operators Who've Been Declined and Don't Know Why
Three banks said no. You don't know if it's your credit, your structure, your industry, or just the wrong lender. An advisor can tell you in one conversation.
Deals That Need Private Credit Because SBA Won't Touch Them
Too leveraged for conventional. Too complex for SBA. Too fast for agency debt. Private credit exists for exactly these situations — but most operators don't know where to find it.
Disclaimer: PeerSense is not a lender. We are a business financing consulting firm that helps connect business owners with potential lending partners. The information on this website is for informational purposes only and does not constitute financial advice. Every client's situation is different. While we work to identify the best financing options available, we do not guarantee loan approval, specific terms, or funding amounts. All financing decisions are made solely by the lending institutions and are subject to their individual underwriting criteria. Past client results are not a guarantee of similar outcomes. Individual results will vary based on creditworthiness, business history, financial standing, and other factors.
Frequently Asked Questions
Tell Us What You're Trying to Finance
If you need capital and the deal makes sense, there is likely a source that will fund it. The question is which one — and that depends on your specific situation. PeerSense connects you with the right capital partner for your deal. One conversation. Direct introduction. No runaround.
Or call (317) 452-6990 to discuss your capital need directly.