Referral Bonus Program

Referral Bonus ProgramPurpose

Program

This OverviewSOP

establishes the complete process for managing Crowned Credit's client referral bonus program — from collecting referral information and passing it to Sales, to verifying eligibility, processing bonus payments, and tracking everything accurately. The referral program is a powerful growth tool: existing clients are the warmest sales channel possible, and rewarding them for bringing in new business builds loyalty while reducing acquisition costs.

Every team member who interacts with clients must be familiar with this program so they can proactively promote it and handle referral conversations correctly.

Program Overview

Crowned Credit rewards clients (both current and former) for referring new clients who refersign others to the service. This is an earned bonus paid out upon the referred client's successful enrollmentup and first payment.

How It Works

Existing client refers a friend, family member, or contact to Crowned Credit The new client enrolls and completescomplete their first paymentpayment. The referring client becomes eligible for the referral bonus Billing processes the bonus payoutamount varies

CSR Process — When Client Mentions a Referral

Ask: "Who referred you?" and noteby the referring client's nameplan and status. Bonuses are paid one month after the referred client signs up to protect against refunds.

Bonus Structure

Referring Client PlanReferring Client StatusBonus AmountPayout Available Essential PlanActiveReferral bonus (lower tier)1 month after referral signs up Accelerated PlanActiveReferral bonus (mid tier)1 month after referral signs up Momentum PlanActive or InactiveReferral bonus (higher tier)1 month after referral signs up Any PlanInactive / Former ClientReferral bonus (standard)1 month after referral signs up

Bonus Amount Policy: Specific bonus amounts are set by management and are subject to change. Always confirm current bonus amounts with Billing Lead (Khryzza) before communicating them to clients. Do not quote bonus amounts from memory — verify against current approved rates. Consistency in communication is critical.

Payout Methods

MethodAvailable ToProcessing Time ZelleActive and inactive clients3–5 business days after claim confirmed Cash AppActive and inactive clients3–5 business days after claim confirmed Bill CreditActive clients with monthly subscription (Essential or Accelerated) onlyApplied to next billing cycle

Momentum Plan Clients — Bill Credit NOT Available: Momentum is a one-time payment with no recurring billing. Bill credit cannot be applied to Momentum clients. Zelle or Cash App are the only payout options for Momentum plan clients.

Qualification Criteria

A referral is only qualified — and the bonus is only payable — when ALL of the following conditions are met:

The referred person has signed up AND completed their first payment LogThe referral is a new lead — not an existing client, former client, or previously entered lead in GHL The referring client is identified and verified in GHL — we must be able to confirm who sent the referral The referral has not refunded within the 1-month hold window

Step-by-Step Process

Step 1: Collect Referral Information from Client

When a client mentions they've referred someone, collect the following:

Referred person's full name Referred person's phone number Referred person's email address (optional but strongly recommended)

Script — Collecting Referral Information:
"Thank you so much for referring someone to us, [First Name]! We really appreciate your support. To make sure they get the best experience and that your bonus is tracked properly, could I get their full name and best contact notes:number?" "

Step 2: Post to Discord General GC Channel

After collecting referral information, post to the General GC channel in Discord with the following format:

Discord Post Format:
Referral from: [Referring Client Name]
Referral details: [Referred by:Person [NAME]Full Name] — [DATE]"

Phone TagNumber]
Tag: @[Assigned Closer] or @Sales Team (if closer unknown)

Check the referring client's GHL record with:to identify their assigned closer. Tag that closer directly. If the closer is unknown or unavailable, tag the general Sales Team.

Step 3: Sales Team Follows Up

The tagged closer or Sales Team member picks up the referral lead They reach out to the referred person and attempt to close them on a plan Billing's role is done at this point — Sales handles the referral through to signup

Step 4: Referral Signs Up and Pays

When the referral completes signup and first payment, this triggers the 1-month hold period Sales should note the referral source in GHL on the new client's contact: "Referred by: [Referring Client Name]" Billing monitors for this note or is notified by Sales

Step 5: Wait 1 Month

The 1-month hold is non-negotiable. It protects against scenarios where the referred client refunds shortly after signing up. Example: Referral signs up March 10 → Bonus claimable April 10 or later If the referred client refunds within the 1-month window, the referral bonus is forfeited for that referral

Step 6: Verify Eligibility

Confirm the referred client is still active (not refunded) in GHL Confirm the referring client's plan and current status in GHL Determine the correct bonus amount based on the referring client's plan Confirm preferred payout method with the referring client (Zelle, Cash App, or Bill Credit if eligible)

Step 7: Process the Bonus

Zelle or Cash App:

Request the client's Zelle number/email or Cash App username via SMS Billing Lead (Khryzza) processes the payment through company Zelle or Cash App Log payment in GHL and in the tracker

Bill Credit:

Note the credit amount to be applied to the client's next invoice When the next monthly invoice is generated, manually reduce the invoice amount by the credit amount before sending Or, if GHL supports it, apply a discount to the next recurring invoice Log in GHL: "Bill credit of [amount] applied to [Month] invoice for referral bonus"

Step 8: Send Confirmation SMS

After processing the bonus, send a confirmation SMS to the referring client.

SMS Templates

Active Client — Zelle or Cash App Option

Hi [First Name], great news! Your referral has been confirmed and your referral bonus is ready to be paid out. Please send us your preferred Zelle number or Cash App username and we'll get that processed within 3–5 business days. Alternatively, we can apply it as a credit toward your next month's bill. Just let us know how you'd like to receive it! Thank you for supporting Crowned Credit — keep those referrals coming! — Crowned Credit Team

Active Client — Bill Credit Applied

Hi [First Name], good news! Thank you for sending in your referral — we've confirmed everything is in order. A referral bonus credit will be applied toward your upcoming bill this month. You'll see the reduced total when you receive your next invoice. We truly appreciate your support! Keep those referrals coming. — Crowned Credit Team

Inactive or Former Client — Zelle or Cash App

Hi [First Name], thank you for referring someone to Crowned Credit! We're happy to confirm that your referral has signed up and their account is active. Your referral bonus is ready to be paid out. Please send us your preferred Zelle number or Cash App username and we'll process it within 3–5 business days. We appreciate your continued support! — Crowned Credit Team

Referral Not Yet Qualified (Follow-Up)

Hi [First Name], just an update on the referral you sent us. We're still working on getting them set up. Once they complete enrollment, your bonus will be queued for payout one month from their start date. We'll keep you posted! — Crowned Credit Team

GHL Documentation Requirements

Proper documentation keeps the referral program auditable and ensures commissions are tracked accurately.

Log referral on the referring client's GHL contact: "Referral submitted — [REFERREDReferred CLIENTName] NAME]— [Date submitted] — Bonus: [amount/tier] — Status: Pending" Update note when bonus is paid: "Referral bonus paid via [Zelle/Cash App/Bill Credit] — [Date paid] — [Amount]" OnceLog referral source on the new referred client's GHL contact: "Referred by: [Referring Client Name] — [Date]"

Tracker Updates

ScenarioTrackerRequired Columns Active client referralGHL contact notes + referral trackingReferring client name, referred client name, date, plan, bonus amount, payout method, payout date Inactive/former client referralClosed List Tracker (Google Sheets)Same as above

Common Questions & Edge Cases

Q: Can a client refer unlimited people?

Yes — there is no stated cap on referrals per client. Every qualified referral earns a bonus. Encourage clients who ask to refer as many people as they'd like.

Q: What if two clients claim they both referred the same person?

The first paymentreferral clears,logged notifyin Discord/GHL with a timestamp wins. Log all referrals with date and time to prevent disputes. If two claims come in simultaneously, escalate to Billing Lead for review.

Q: What if the referred person signs up but then cancels within the 1-month window?

The bonus is forfeited. Notify the referring client professionally:

"Hi [First Name], unfortunately the referral you sent didn't complete their enrollment, so we're unable to process the bonus

Billingfor processesthis particular referral. We hope you'll keep referring people — every successful signup earns you a bonus! — Crowned Credit Team"

Q: Client asks about the bonusreferral toprogram the referring client

CSR notifies the referring client: "Great newsproactively — yourhow referraldo bonuswe haspromote been processed!"

Referral Tracking — GHL Fields

Custom field: "Referred By" — fill in on new client's contact record Custom field: "Referral Status" — options: Pending / Qualified / Paid Add note to referring client's record when bonus is triggered and paid

Common Referral Scriptit?

Promotional Script:
"By the wayway, [First Name], — did you know we have a referral bonus program? If you knowrefer anyonea friend or family member who could benefit from credit repair — friends, family, coworkers — and they signsigns up with us, you earn a referralbonus bonus.just Nofor limitthe onintroduction. howIt's many people you can refer. The bestour way toof saysaying thank you isfor usuallyspreading the word. Would you like me to share a greatquick testimonialoverview tooof how it works?"

Compliance Notes

All referrals must be legitimate — wouldnot youduplicate beentries openor self-referrals Referral bonuses are subject to sharingverification yourbefore experience?"payout Maintain documentation for all bonus payments for accounting and audit purposes The program terms are subject to change — always follow current rates confirmed by Billing Lead