Mass layoffs and role-reducing automation are rewriting the career playbook. If your paycheck is under pressure—or you simply want a second stream of income—starting a small business from home is the most practical hedge you can build. This article shows two clear paths that leverage the IACFB PALs Affiliates Program—a shoestring, referral-driven way to earn residual commissions in commercial finance:
- Part-Time “Bill-Padder” — for people who just need extra cash each month.
- Career Pivot Builder — for those preparing to transition into a new profession.
Both tracks start with one simple requirement: purchase IACFB’s Factoring 101 Broker’s Guide to learn the basics. From there, you’ll use IACFB’s SQL (Sales Qualified Leads) Program to submit viable referrals and earn residual commission payouts when those clients fund.
Why PALs Affiliates Works for Home-Based Entrepreneurs
- Ultra-low startup cost. You’re only selling knowledge and introductions—no inventory, no direct marketing expense.
- Simple activity → real outcomes. Affiliates operate based on “Right Time…Right Place basis. Affiliates only need to learn how to recognize factoring opportunities, qualify them at a very basic level, and submit them. IACFB and its funding partners handle underwriting and servicing through our SQL Program.
- Residuals compound. A single referral can generate ongoing commission checks for years as your referred client continues to factor.
- Fits any schedule. You can do this in short, consistent blocks of time—before work, lunch, evenings. This new opportunity fits into anyone’s schedule.
Affiliates Program / Track One: The Part-Time “Bill-Padder”
Goal: Add a dependable stream of referral checks to cover monthly gaps—without building a full practice.
The Only Tools You Need
- Factoring 101 Broker’s Guide (required)
- Right Time…Right Place Opportunities
- LinkedIn or other social media, using a profile with a clear headline: “I help small businesses get paid faster with invoice factoring.”
(Optional but helpful: a free scheduling link and a simple one-page site or LinkedIn “services“ page.)
What You Actually Do (and how it pays)
- Spot the need. Businesses waiting 30–90 days to get paid are prime candidates: contractors, staffing firms, wholesalers, trucking, janitorial, security, and more.
- Qualify lightly. Confirm: they invoice other businesses or the government; invoices are for completed work; they need working capital now.
- Submit as an SQL. Use IACFB’s submission process to hand off the lead.
- Get paid residually. When the client funds, you earn commission; when they fund next week or the month, you continue to earn.
Simple Scripts
- Social Media opener: “If slow-pay customers are pinching cash flow, I can point you to funding that advances up to 90% of invoice value. Worth a 10-minute chat?”
- Fact to Face opener: “I work with local firms that invoice B2B or government. When customers take 45–60 days, we help you get paid this week. Is that a pain point right now?”
Associates Program Track 2: The Career Pivot Builder
Goal: Use PALs Affiliates to create momentum now, then expand into the professional consulting track of PALs Associates Program.
When to Level Up to Associate (Optional)
If you enjoy the work and want a larger income potential:
- Expand your operations to include an upgraded home office with a desktop computer and a CRM such as Pipedrive.
- Launch a full IACFB / PAL professional website with niche pages (construction, staffing, transport).
- Add direct marketing: postcards/letters to local firms; call-backs by phone (yes, the phone closes deals) with IACFB’s Academy ANNEX broker marketing templates and “Business-in-a-Box”
Who This Is For (and who it isn’t)
- Great fits: Networkers; people comfortable asking simple qualifying questions; anyone with ties to local businesses. Associates typically are members of their local Chamber of Commerce or other clubs and organizations.
- Not ideal: Those unwilling to reach out or follow up. This is light and very enjoyable work—but it requires consistency.
Final Word
You can keep hoping your job stays safe—or you can start building a personal cash-flow engine that isn’t subject to corporate decisions. The PALs Affiliates path is the simplest on-ramp we know: low cost ($59.95), practical training, and a clear way to earn residual commissions from real businesses that need working capital right now. Start small as a Part-Time Bill-Padder (Affiliate) or lean in as a Career Pivot Builder (Associate)—either way, the best time to begin is today.