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Quick Answer

When you can't approve the loan, don't lose the client. T.A.G. Business Funding reviews declined business borrowers based on revenue, not collateral.

T.A.G. Business Funding Minority-Owned · Chagrin Falls, OH  ·  Ohio-based, nationally operating
Bank Turndown Partner Network

When you can't approve the loan,
don't lose the client.

T.A.G. Business Funding reviews your declined business borrowers based on revenue, not collateral. You protect the relationship. We handle the rest.

Join the Partner Network → See How It Works
ISOLicensed independent sales org
Revenue-BasedUnderwriting, not collateral-based
ECOAEqual Credit Opportunity Act compliant
$0Cost to join the partner network
The Process

Three steps. Under 60 seconds on your part.

You make the introduction. We handle everything from there.

1

Client is declined

You've reviewed the file. The loan doesn't fit your institution's criteria today. The borrower still needs capital.

2

You refer them to T.A.G.

Hand them a card, text them your referral link, or send a one-line email introduction. Your referral link is unique to you: all tracking is automatic.

3

We handle everything

We reach out promptly. 10-minute application. The funding provider sets the decision timeline after review. If approved, funds are wired directly to their business account. You're notified at each step.

Three-step referral flow Flow diagram of three steps: a client is declined by the bank, the banker refers them to T.A.G. using a unique referral link, and T.A.G. reviews the file using revenue-based underwriting while keeping the referring banker notified at each step. 1 Client is declined 2 You refer using your link 3 T.A.G. reviews revenue, not collateral
You stay notified at every step; the funding provider sets the decision timeline.
Quick Qualifier

Who to refer

One look. Know instantly whether a client qualifies before making the introduction.

Time-in-business requirement: bank vs. MCA Bar chart comparing minimum time-in-business requirements: a typical bank loan requires 24 months in business, while an MCA referral through T.A.G. requires only 6 months. Time-in-Business Requirement Typical bank loan 24 months (2 years) T.A.G. MCA referral 6 months A client declined for insufficient time in business at a bank may still qualify for an MCA referral.
Minimum time-in-business requirement, bank loan vs. MCA referral.

✅ Refer if your client has:

  • ✅ 6+ months in business (12+ preferred)
  • ✅ $4,000+ in monthly bank deposits
  • ✅ Active business bank account
  • ✅ Existing, verifiable revenue stream
  • ✅ Need for growth capital, inventory, payroll, equipment, or working capital

❌ Do not refer if:

  • ❌ Business is under 6 months old
  • ❌ Monthly deposits under $4,000
  • ❌ No business bank account (personal only)
  • ❌ No existing revenue stream
  • ❌ Open bankruptcy
Program Structure

Three ways to participate

Every participating professional gets a unique referral link, real-time tracking, and full support from our team. Compensation structure depends on your role.

Class A: Affiliate

Independent Professional

You operate independently, with no employer restrictions on outside compensation. You refer, we close, you earn a referral fee on every funded deal.

Examples: Mortgage brokers, equipment finance brokers, bookkeepers, CPAs, insurance agents, payroll providers, merchant service agents, business consultants

Enroll as Class A Partner →
Class B: Bank Partner

Bank or Credit Union Employee

You work at a regulated institution. No personal cash compensation required. Refer as a client service to preserve the relationship. Charitable donation option available.

Examples: Commercial bankers, business bankers, SBA loan officers, credit union lenders, branch managers, commercial relationship managers

Enroll as Bank Partner →
Class C: Institution

Institution-Level Partnership

Your institution wants a formalized arrangement: co-branded materials, institutional reporting, adverse action insert program, and optional institutional revenue sharing.

Examples: Community banks, credit unions, SBA lenders, CDFIs, non-bank commercial lenders

Explore Institutional Partnership →

Built for regulated environments

No arrangement requires bank employees to receive personal compensation. We offer a no-fee goodwill track, a charitable donation option, and a full institutional partnership structure that your compliance department can review and approve.

Download Compliance FAQ Request Compliance Meeting View Banker One-Pager
Partner Enrollment

Join the network

Takes 2 minutes. You'll receive your unique referral link immediately after enrolling.

🎉

You're enrolled.

Your unique referral link is below. Share it with declined clients, add it to your email signature, or simply text it when you have someone who needs capital.

Carlos Torres will reach out within one business day to introduce himself and answer any questions.

View Your Partner Kit →

Your referral link is generated immediately. Carlos Torres will follow up within one business day.
Class A partners: W-9 required before first commission payment.

Partner Resources

Your Partner Kit

Everything you need to make a referral in under 60 seconds.

Banker One-Pager Client Handout Quick Qualifier Card Compliance FAQ Referral Instructions
Apply for Merchant Funding →

T.A.G. Business Funding

See If Your Business Qualifies

500 FICO minimum. Bank declines OK. Revenue matters more than credit score. Decision timing is set by the funding provider after review.

Apply Now → Call 330-238-3003
✓ No obligation ✓ Soft pull to start ✓ Free to apply ✓ Bank declines welcome

500 FICO minimum  ·  $4K to $6K+/month revenue  ·  Funding timing is set by the funding provider after review

Bank Partner Program FAQ

How does the bank referral partner program work?
When a bank declines a business loan application, the banker refers the applicant to T.A.G. Business Funding using a unique referral link or code. T.A.G. reviews the application using different underwriting criteria (revenue-based, not collateral-based); the funding provider sets the decision and funding timeline after reviewing the file. The referring bank retains the client relationship while helping the business owner get funded.
What types of declined businesses can you fund?
T.A.G. Business Funding can consider businesses with 6+ months in business, $4,000+ in monthly deposits, and a 500+ credit score. This includes businesses declined for insufficient collateral, credit score below bank threshold, insufficient time in business (bank requires 2 years, MCA requires 6 months), and revenue below bank minimums.
Is there any cost or obligation to join the partner network?
No. Joining the Bank Turndown Partner Network is free. There is no minimum referral volume, no exclusivity requirement, and no fee to enroll. Partners receive a unique referral code and access to client-facing handout materials.
Is it compliant for a loan officer to refer declined clients for MCA?
Yes, with proper disclosure. Referring declined clients to an ISO partner for MCA is a common and compliant practice in the lending industry. Many banks have formal ISO referral programs. Consult your bank's compliance officer for your institution's specific referral disclosure requirements.