Tier is based on your lifetime cumulative funded volume — the total dollar amount of all deals you've referred that have funded. Tier never decreases. As you climb, your percentage rate goes up and a small flat bonus stacks per deal.
| Tier | Lifetime funded volume | Rate | Flat bonus | Max per deal |
|---|---|---|---|---|
| Bronze | $0 – $50K | 1.0% | $0 | $2,500 |
| Silver | $50K – $250K | 1.25% | $25 | $2,525 |
| Gold | $250K – $1M | 1.5% | $75 | $2,575 |
| Platinum | $1M+ | 1.5% | $100 | $2,600 |
How tier is locked in per deal
Every deal locks its tier AT THE TIME OF FUNDING based on your cumulative volume BEFORE that deal. Historical deals are not re-tiered when you cross thresholds — they keep the rate they earned. This protects you from clawbacks reducing your future cumulative (your past payouts stay locked in).
Worked example
You're at $240K cumulative (Silver). You refer a $50K deal — Silver rate locks in: 1.25% × $50K = $625 + $25 bonus = $650. Cumulative is now $290K (Gold territory). Your NEXT referral earns at Gold.
Marketing copy
You'll see "Earn up to $2,500 per funded referral" across the site. That's the percentage portion's cap — the small flat bonuses ($25/$75/$100) stack on top but round in cleanly. The marketing ceiling is honest for the vast majority of deals.