The fastest path is to watch the affiliate program walkthrough series, then email us. Three steps:

1. Watch the affiliate walkthrough video series - short videos covering the program end to end:
   • Affiliate program overview - the five funnels and how compensation stacks
   • Walking through the consultation funnel - what your referred consumer sees
   • Spinwheel verification explained - how identity verification triggers per-lead vs CPA
   • Cross-vertical earnings in practice - examples of one referral earning on more than one path
   • Reading your partner dashboard - tracking, reports, payouts
2. Email affiliates@curadebt.com with your traffic sources, estimated monthly volume, and vertical interest.
3. Schedule a 30-minute onboarding call. Once your traffic-source review is complete, we finalize your IO and you go live.

Email affiliates@curadebt.com with a short background on your business, your traffic or referral sources, your estimated monthly volume, and any creative ideas or integration needs. From there we set up a call, review fit on both sides, and build your partner setup one-on-one. The program is intentionally onboarded individually rather than self-serve.

No. Affiliates reach consumers through many channels - websites, email lists, inbound calls, podcasts, newsletters, YouTube, social media, and offline networks. A website is one path, not a requirement. Whatever your channels are, they go through traffic-source review and approval before you go live.

A debt relief, tax relief, and business/MCA referral program. Partners refer consumers or businesses that need help with debt, and earn through per-lead compensation during business hours when identity is verified through Spinwheel, CPA compensation outside those windows, and cross-vertical compensation when the same person qualifies for more than one path.

No. CuraDebt operated as an in-house debt relief provider for 25 years. In March 2026 the company shifted to a partner-matching model that draws on that experience to route consumers and businesses to appropriate independent third-party providers. Custom in-house management software coordinates routing and gives partners transparent reporting across all three live verticals.

No. All compensation amounts, hours, and qualifying criteria shown on this page are representative of the current program structure and are shown for illustration. Final terms for each partner live in that partner's signed Insertion Order. Affiliate networks evolve as partner provider availability, regulatory conditions, and vertical economics change. When structures are revisited and updated, partners are notified, and updated terms are reflected in IO amendments.

After four things are in place:

1. A signed partner agreement.
2. A signed Insertion Order (IO) covering compensation and qualifying criteria.
3. CuraDebt's review and approval of the partner's traffic sources, creative, and channels.
4. The partner's written acceptance that the terms work for their business.

Until all four are in place, nothing on this page or in any conversation creates a payment obligation on either side.

Three primary paths in the live programs:

• Per-lead pay for Spinwheel-verified referrals submitted in the funnel's defined hours.
• CPA when an out-of-window or unverified referral converts.
• Cross-vertical compensation when a single referral qualifies across more than one of the live verticals (consumer debt, tax, business/MCA).

Per-lead pay and CPA on the same vertical are mutually exclusive on a single referral; cross-vertical compensation stacks separately. Final amounts and qualifying criteria are set in your IO.

Representative structure: 2.5% of the consumer's enrolled debt amount, posted when the consumer's first program payment clears. "Enrolled debt amount" means the unsecured debt total the consumer enrolls into the program at signing, as documented on enrollment paperwork.

Final basis, percentage, and trigger for your account are set in your signed IO.

Yes - and this is intentional. Affiliate compensation is structured back-to-back with the underlying partner-provider remittance. CuraDebt is paid by the receiving partner provider on cleared referrals; CuraDebt then pays the affiliate on the next monthly cycle.

In normal operation this is invisible. When referrals convert and providers remit on schedule, payouts run on the standard 15th-21st cycle. The structure keeps affiliate, CuraDebt, and the receiving partner aligned on the same outcome - the consumer enrolling and making real payments - and protects all three sides from clawback exposure on referrals that cancel before funding. As long as referrals are converting, payouts run normally.

Commissions are paid monthly on a regular cycle. Payments go out between the 15th and 21st of each month for the prior month's activity, via PayPal or ACH. Specific payment terms for your account are confirmed in your signed IO.

Yes. Services are offered to US consumers and businesses, but affiliates can be based anywhere as long as they drive qualified US traffic. Payouts go via PayPal (international accounts supported) or ACH.

Representative structure: $50 per qualified lead when submitted between 9 AM and 9 PM ET and identity is verified through Spinwheel. Outside that window, or for unverified leads that later convert, 2.5% CPA on the consumer's enrolled debt amount, posted when the consumer's first program payment clears.

Final amounts, hours, qualifying criteria, and payout triggers for your account are set in your signed IO.

Spinwheel runs a real-time soft credit check inside the live production funnel. The consumer completing that soft check is what "verified" means on this page. Soft check only - no impact on the consumer's credit score.

Verification is what triggers per-lead compensation in the DebtLead and Tax funnels during their respective business-hours windows. If the consumer does not complete the soft check, the lead is unverified and falls to the CPA path if and when they later convert.

Consumer debt referrals are matched to IAPDA-accredited professionals in the partner network.

Cross-vertical credit applies. Representative structure:

• MCA cross-sell: 2% of the enrolled MCA program amount, paid in 4 equal weekly installments starting from the merchant's first MCA program payment.
• Tax cross-sell: $500 when the consumer makes their first payment toward tax investigation or tax service work.

Final cross-sell terms for your account are set in your signed IO.

The tax funnel produces two distinct lead types from the same submission:

• Tax lead: $50 per qualified tax lead, submitted 9 AM-9 PM ET Monday-Friday and verified through Spinwheel.
• Cross-sold debt lead: additional $50 when that same tax-funnel consumer also affirmatively requests a debt consultation in the funnel. Paid alongside the tax lead pay (not as a bonus on a base) - both qualify when the conditions are met, and a single submission can produce $100 at the lead stage.

CPA paths (outside per-lead criteria): $500 when the consumer makes their first payment toward tax investigation or tax service work, plus 2.5% of the consumer's enrolled debt amount if the same consumer also converts on debt-side work.

Final amounts, hours, qualifying criteria, and payout triggers for your account are set in your signed IO.

Yes - this is the core use case for Program 3 (Tax hover & Ringba). One added line in the call script ("Do you have tax debt over $10,000 that you want to resolve?") routes qualifying consumers to CuraDebt through your Ringba number. Representative payout: $500 when the consumer makes their first payment toward tax investigation or tax service work. Final terms set in your IO.

Tax referrals are matched to independent tax relief firms included in the partner network based on their commitment to clients. Firms in the network are staffed by Enrolled Agents, CPAs, or tax attorneys.

Tax payouts trigger when the consumer makes their first payment toward tax investigation or tax service work - whichever comes first. The amount is uniform: $500 per tax enrollment, whether the lead came in through the direct Tax funnel, the DebtLead funnel, the MCA funnel, or the Tax hover / Ringba program.

The standalone MCA funnel is in the pending queue. Email affiliates@curadebt.com to be notified at launch. In the interim, MCA still earns through cross-sell on consumer debt and tax referrals - when a referral on either of the live funnels turns out to also have business/MCA debt, the MCA cross-sell applies.

Representative structure: 2% of the enrolled MCA program amount, paid in 4 equal weekly installments - one quarter each week, starting from the merchant's first MCA program payment. Final basis, percentage, installment schedule, and qualifying criteria are confirmed in your IO at launch.

Stacking applies. If the merchant carries personal unsecured debt, debt-side compensation applies (per-lead in window or 2.5% CPA outside). If the merchant has tax debt, $500 when the merchant makes their first payment toward tax investigation or tax service work. All cross-vertical specifics are confirmed in your IO.

Business/MCA referrals are matched to independent firms in that vertical.

Bankruptcy is a regulated category that requires separate program approval before it can go live. Structure will be confirmed at approval on a partner-by-partner basis and documented in the insertion order. If you currently work bankruptcy traffic and want to be in the loop when the program is approved, email affiliates@curadebt.com.

Yes. One affiliate account gives you access to the live verticals (consumer debt, tax, and the tax hover / call center program), and to the MCA and bankruptcy programs once those are live. If a person you refer qualifies for more than one live vertical, you are compensated on each applicable path. Vertical scope for your account is documented in your IO.

Through a custom platform built in-house. Partners see leads submitted, Spinwheel verification status, vertical, cross-sell credit, conversions, and earnings. Reports and integrations are added based on partner requests.

Yes. Email marketing is an approved traffic source across all live verticals once your specific list practices and creative have been reviewed and approved. Compliance requirements (CAN-SPAM, opt-in integrity, suppression lists, clear unsubscribe) apply, but email is a welcomed channel - not every debt relief program accepts it.

Yes, with standard compliance and after creative review. Facebook and Instagram classify debt relief under the Special Ad Category (Credit), which restricts targeting and requires specific landing page and disclosure language. Google has its own debt-relief and personal-loans advertising policies. Current creative guidelines are provided, and affiliate ad copy is reviewed before it runs.

Yes. Inbound calls are accepted on a CPA basis across the live verticals, including the dedicated tax hover / Ringba program for call centers. Transfers, warm handoffs, and direct-dial routing all work. Email affiliates@curadebt.com with your call volume and setup to align on structure.

Yes. The thank-you page integration is designed for publishers and lead generators who already monetize through a primary path. The offer is presented on your thank-you page in a hover, overlay, inline widget, or redirect format, and you earn per qualifying client - stacked on top of your existing revenue.

Yes. Creative assets have been tested across Facebook, Outbrain, Taboola, Google, Bing, Nextdoor, and email over several years. New affiliates get access to creative that has cleared compliance review, with the option to submit their own creative for review. For thank-you page integrations, embed code is provided per vertical.

State coverage varies by vertical, and those lists shift as licensing and provider capacity evolve. Current state eligibility is confirmed by email during onboarding and documented in the insertion order (IO) when the campaign starts. Leads from excluded states do not qualify for compensation regardless of other criteria.

It is a strong fit for lead generation companies, personal loan and MCA brokers with declined applicants, credit repair and credit counseling companies, CPAs and tax preparers, financial publishers and newsletters, podcasters, call centers (especially debt-focused centers wanting to monetize tax inside the existing call flow), affiliate networks, insurance and retirement advisors, and real estate and mortgage professionals who see distressed borrowers.

Four things:

• 25 years of debt-industry operating experience now applied to partner matching, so intake, compliance, and conversion are operationally mature.
• Three live verticals under one account - consumer debt, tax, and business/MCA - with cross-vertical compensation when one referral qualifies across paths.
• Relationship-based onboarding rather than self-serve signup.
• Custom in-house tracking software that adds reports and integrations as partners request them.