When
Qualified application
a UK business completes an application and passes basic eligibility
£25
Creator referral programme
Refer a business.Get paid when they're funded.
Tera is an AI-native commercial finance brokerage. Your audience is full of business owners who need funding and don't know where to start. Send them to us, and we'll pay you when they get funded — up to £1,500 per completed deal, plus £25 for every qualified application.
Free to join · No cost to the businesses you refer · Paid by bank transfer
What you earn
Adjust the sliders to estimate your monthly and annual creator referral fees.
a UK business completes an application and passes basic eligibility
040
on completion
010
on completion
08
on completion
04
Fee breakdown
Qualified application
4 × £25
£100
Facility £25k–£50k
1 × £250
£250
Facility £50k–£250k
0 × £750
£0
Facility £250k+
0 × £1,500
£0
£350
Estimated monthly fees
£4,200
Estimated annual fees
Illustrative only. Actual fees depend on qualified applications and completed facilities.
When
Facility £25k–£50k
on completion
£250
When
Facility £50k–£250k
on completion
£750
When
Facility £250k+
on completion
£1,500
Paid monthly by bank transfer. No minimum threshold. No cap.
Worth knowing before you start: commercial finance isn't a quick sale. From first enquiry to money in the account is usually four to ten weeks — sometimes longer on larger or more complex deals. The £25 qualification fee is there because we know that's a long time to wait for your first payment.
What you're actually recommending
Getting business finance is usually slow and opaque. Weeks of chasing, forms filled in three times, and a broker who goes quiet for a fortnight.
We built Tera to fix that. AI handles the repetitive parts — collecting information, checking eligibility, chasing documents, building the case — so business owners aren't stuck in email threads, and real brokers spend their time on the parts that actually need judgement.
130+ lenders
so we're not forced to fit every business to one funder
No cost to the business
we're paid by the lender, not the borrower
A human broker on every case
not a chatbot making the decisions
That's what you're putting your name to. If you'd like to see it before you promote it, ask us for a walkthrough — we'd rather you did.
How it works
Apply, share with your audience, and get paid when businesses you refer are funded.
- 1
Apply and get approved
Tell us who you are and who your audience is. We review every application — this is a small programme and we'd rather work properly with fifty creators than loosely with five hundred. Approval usually takes a couple of days.
- 2
Share with your audience
We give you a content kit: copy you can use as-is, graphics, and a tracked link. Want to write your own? Send it over at onboarding and we'll check it once, then you're free to run with it.
- 3
Get paid
£25 when a business you refer completes an application and passes our first eligibility check. Then a completion fee when they draw down their funding — £250, £750 or £1,500 depending on the size of the facility.
Why Tera
Real fees, not percentages
You know exactly what you'll earn before you post. No working out what a percentage of a commission you can't see actually comes to.
Your audience already needs this
Vans, plant, stock, premises, cashflow gaps, a big contract that needs funding upfront. If you're talking to UK business owners, some of them are trying to solve this right now.
AI does the grunt work
Eligibility checks, document collection, case building — the parts that make finance applications miserable are automated. Your audience gets a process that respects their time, which reflects well on you for recommending it.
We do the work
You make the introduction. We handle eligibility, documents, lender matching and the whole application. Your name is on the referral, not the paperwork.
Copy that keeps you safe
We give you approved messaging so you're not guessing what you can and can't say about finance. Use it as-is or clear your own with us once.
130+ lenders
We're not tied to one funder. If a deal can be placed, we'll find who'll place it — which means more of your referrals actually convert.
Twelve-month attribution
Business finance takes time and people come back. If someone you referred gets funded within twelve months, you're paid — even if they took three months to start the conversation.
Who this is for
We work best with creators whose audiences are UK business owners — trades, construction, transport, hospitality, manufacturing, retail, professional services. You don't need to make finance content. In fact, we'd rather you didn't. A single honest mention in the middle of what you already make will do far better than anything that looks like an advert.
If your audience is mostly consumers rather than business owners, this probably isn't the right fit — and we'd rather tell you that now.
Frequently asked questions
Ready to start?
Apply in a few minutes. We'll come back to you within two working days.
Apply to join
Free to join · Up to £1,500 per completed deal · £25 per qualified application
Tera Business Finance Ltd arranges finance from a panel of lenders. We are not a lender. Finance is subject to status and eligibility. Referral fees are paid on completed facilities as set out in the programme terms.