Terms & Conditions

If you (“Referor”) or your referral (“Referee”) (together, “Referring Parties”) fail to meet any of the following obligations and conditions of the Refer a Friend program, you will be ineligible to receive a referral bonus for that referral.

1. Referor must be an active Kiavi customer that has successfully closed a loan within the last eighteen (18) months from the date of referral.
2. Referring Parties must sign up for an account with PartnerStack^* and Stripe in order to submit a referral and receive payment.
3. Eligible Referors will receive a unique referral link to be provided to the Referee. This link will direct the
4. Referee to a Kiavi landing page where they may begin their loan application. Referee MUST use this link to apply for a loan with Kiavi in order for either Referring Party to be eligible for a referral bonus.
5. Referors may not refer themselves or any business entity in which they hold any business interest.
6. Referee MUST submit their loan application within 180 days from the date they first submit information using the referral link.
7. Referee must be seeking a business purpose loan for residential property on behalf of a legally established business entity that was formed and is operating in the United States; individuals seeking consumers loans or businesses formed outside of the United States are ineligible.
8. Referee must successfully apply for and close the loan associated to the referral.

Additional Terms and Conditions

Kiavi will NOT pay any referral bonus unless Referee successfully closes the applied-for loan associated to the referral. Eligible Referees will receive a $350 referral bonus and eligible Referors will receive a referral bonus of $500. Referral bonuses are paid via direct deposit within ten (10) business days of loan closing and approval of the referral on the PartnerStack platform. Payment will be made to the Referring Party via direct deposit through Stripe. Referring Parties must submit ACH information and a current W-9 on the PartnerStack platform in order for referral bonus payments to be processed. Failure to timely provide the required banking information and any other documents required by Kiavi, Partnerstack, or Stripe may result in a denial of payment of an otherwise eligible referral bonus payment. A 1099 may be issued to the Referring Parties for any applicable taxes. Referral bonuses are only for a Referee's first closed loan; any subsequent loans closed by the same Referees are ineligible for any further referral bonuses in the Refer a Friend program. Terms and conditions of the Refer a Friend program are subject to change and may be withdrawn at the sole discretion of Kiavi at any time.