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Cash Flow Partners is a white-label business lending platform that enables brokers to diversify into lending without building internal infrastructure or losing client control.
Data compiled from public sources
Cash Flow Partners operates as a virtual cash flow broker serving mortgage brokers and financial service professionals. Founded by Phillip, a finance professional with over 10 years of experience in cash flow funding and qualifications from Harvard Business School, the company addresses a specific market gap: brokers who want to offer business lending to their clients but lack the resources, experience context, or infrastructure to do so independently.
The company provides a fully managed, white-label business lending solution. Their service encompasses lender accreditations, deal flow management, system setup, multi-channel marketing, and customer inquiry handling. Brokers maintain full operational control through their own brand while Cash Flow Partners handles the backend complexity of connecting clients with a curated panel of business lenders. The platform operates on a digital onboarding process including partner agreements and NDAs to protect both parties.
Cash Flow Partners distinguishes itself through explicit customer ownership retention, equal revenue sharing on both new and repeat loans, and the option to transition to a dedicated in-house broker after 12 months. Unlike traditional lending partnerships that might risk client poaching or loss of relationship control, Cash Flow Partners contractually stated terms brokers maintain their customer relationships while expanding service offerings. Their marketing support is described as "bespoke" and tailored to individual broker needs rather than one-size-fits-all.
However, the company shows limited public transparency about specific lender panel details, loan terms, APR ranges, or geographical service areas. The website focuses heavily on the partnership profile context rather than concrete product specifications. As of the available information, they appear to primarily target mortgage and finance brokers as partners rather than direct consumers, making them a B2B intermediary rather than a direct lender.
This is state-level context for Business Loans consumers in New York, NY. It does not confirm that Cash Flow Partners | New York or this specific location is licensed.
State regulator
New York Department of Financial Services
Consumer protection
Status: Permitted
Rate context: 16% civil usury cap; licensed lenders may negotiate rates for certain loan types
Personal loans from licensed lenders are permitted. Unlicensed lenders are subject to the 16% civil usury cap unless a specific exemption applies. Rates above 16% are civil usury; rates above 25% are criminal usury.
Status: Permitted
Rate context: 16% civil usury cap for unlicensed lenders; licensed lenders may negotiate rates under Banking Law
Installment loans are legal in New York. Licensed lenders have greater flexibility in rate negotiation; unlicensed lenders are subject to the 16% civil usury cap. Consumer Protection Act (Gen. Bus. Law Article 22-A) requires clear disclosure of all terms.
Source: CreditDoc state-law summary and listed public regulator resources. Verify licensing directly with the listed state regulator before relying on a provider.
Cash Flow Partners | New York offers 12 services including White-label business lending platform under broker's brand, Lender accreditation and panel management, Deal flow sourcing and distribution, System setup and integration, Multi-channel white-label marketing strategy and execution, and 7 more.
Cash Flow Partners | New York has profile signals associated with Mortgage brokers seeking to diversify revenue streams without building new departments or hiring staff context, Finance and insurance brokers with existing client bases wanting to offer additional lending products, Established brokerages with client trust but limited business lending experience context or infrastructure, Brokers prioritizing customer relationship control and concerned about being cut out of lending relationships.
Key strengths: Brokers retain full ownership and control of their customer relationships with contractual protection via NDAs; Equal 50/50 revenue sharing on both new and repeat loans, creating ongoing passive income streams; Completely managed service eliminates need for brokers to build internal lending infrastructure, systems, or compliance teams. Areas to consider: No public information about lender panel details, loan limits, APR ranges, or underwriting criteria makes it impossible to evaluate actual product competitiveness; Geographic service limitations not specified—unclear which states or regions they operate in.
In the Business Loans category, comparable providers include Blursoft - Working Capital Solutions USA, Card Payment Systems, CDVCA. Each company has different strengths, so compare services, pricing, and consumer complaint records before deciding what to do next.
CreditDoc Profile Note
Cash Flow Partners is strictly a B2B platform for brokers and financial professionals seeking to add business lending to their service menu, not a direct lender for consumers. The platform works profile signals for established brokers with existing client relationships who want lending diversification without infrastructure investment, but potential partners should request specific details about lender terms, geographic availability, and loan products before committing, as the website lacks concrete product specifications.
Blursoft is a marketplace connecting small business owners and contractors with lending partners offering merchant cash advances, equipment financing, and short-term loans designed for borrowers with bad or no credit.
Profile signals: Contractors and self-employed workers with inconsistent income or no credit history, Small businesses in cash flow crises needing rapid access to capital
Card Payment Systems is a New York-based merchant services provider offering credit/debit card processing, POS systems, and merchant cash advances to businesses since 1988.
Profile signals: New York-area merchants seeking integrated card processing and POS solutions, Businesses with high-risk profiles that need listed payment processing
Trade association and network for community development venture capital funds providing equity financing to businesses in low-income communities.
Profile signals: Entrepreneurs in low-income communities seeking equity financing and business building support, Small business owners in economically distressed regions looking for flexible capital
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Read guide →New to credit and lending? Here are the key terms used on this page, explained in plain language with real-number examples.
The total yearly cost of borrowing money, including the interest rate plus any fees the lender charges. Think of it as the 'true price tag' on a loan.
Lenders are required to show APR by law (Truth in Lending Act) because the interest rate alone can hide fees. Comparing APR across lenders is the most reliable way to find the lower-cost loan.
Example
You borrow $10,000 at 6% interest for 3 years, but there's a $300 origination fee. The interest rate is 6%, but the APR is 6.9% because it includes that fee. You'd pay $304/month and $946 total in interest.
The percentage a lender charges you for borrowing their money, calculated on the amount you still owe. It's the lender's profit for taking the risk of lending to you.
Even a 1% difference in interest rate can cost you thousands over a loan's life. Lower rates mean less money out of your pocket.
Example
On a $20,000 car loan for 5 years: at 5% you pay $2,645 in interest. At 8% you pay $4,332. That 3% difference costs you $1,687 extra.
A person who agrees to repay your loan if you can't. They're equally responsible for the debt, and their credit is affected by your payment behavior.
Cosigning helps people with thin credit get approved or get better rates. But it's a huge risk for the cosigner — they're on the hook for the full amount if you default.
Example
A parent cosigns their child's $30,000 student loan. The child stops paying after 6 months. The parent is now legally required to make the payments or face collections, lawsuits, and credit damage.
How long you have to repay the loan, measured in months or years. A shorter term means higher monthly payments but less total interest paid.
Longer terms feel more affordable monthly but cost much more overall. A 30-year mortgage costs almost double in interest compared to a 15-year mortgage on the same amount.
Example
Borrowing $200,000 at 6.5%: A 15-year term costs $1,742/month ($113,561 total interest). A 30-year term costs $1,264/month ($255,088 total interest). You save $141,527 with the shorter term.
A one-time fee the lender charges to process and set up your loan. It covers their costs for underwriting, verifying your information, and preparing paperwork.
Origination fees are usually 1-8% of the loan amount and are often deducted from your loan proceeds — so you receive less than you borrowed.
Example
You're approved for a $10,000 personal loan with a 5% origination fee. The lender deducts $500 upfront, so you receive $9,500 in your bank account but owe $10,000 plus interest.
The original amount of money you borrowed, before any interest or fees are added. It's the 'real' amount of your debt.
Your interest is calculated on the principal. Paying extra toward principal (not just interest) is the one route to reduce your total cost and pay off a loan early.
Example
You borrow $25,000 for a car. That $25,000 is your principal. Your first payment of $450 might split as $150 toward interest and $300 toward principal, bringing your balance to $24,700.
The process where a lender evaluates your finances — income, debts, credit history, assets — to decide whether to approve your loan and at what rate.
Understanding what underwriters look for helps you prepare a stronger application. They check your DTI ratio, employment stability, credit score, and the asset's value.
Example
You apply for a mortgage. The underwriter reviews your pay stubs (income), bank statements (savings), credit report (history), and orders an appraisal (home value). This takes 2-4 weeks.
Want to learn more? Read our Financial Wellness Guides for in-depth explanations and practical advice.
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