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) and can fund in 24–48 hours. 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 fund 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.

How does the bank referral program work?

When a bank loan officer refers a declined business to T.A.G. Business Funding and that business receives an MCA, the referring banker earns a referral fee. The process is simple: share the client's contact info, we handle underwriting and funding, you receive the referral payment when the deal closes.

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.

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 funds your declined business borrowers in 48 hours — no collateral required. You protect the relationship. We handle the rest.

Join the Partner Network → See How It Works

ISOLicensed independent sales org

48 hrsAverage time to funded

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.

Client is declined

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

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.

We handle everything

Same-day call. 10-minute application. 24–48 hour decision. If approved, funds are wired directly to their business account. You're notified at each step.

Quick Qualifier

Who to refer

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

✅ 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 — 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 — 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 →

Which track applies to you? *

🟢 Class A — Independent Commission eligible 🟡 Class B — Bank Partner No-fee / charitable 🔵 Class C — Institution Formal partnership

Full Name *

Title / Role

Email *

Phone

Institution / Company Name

Institution Type

State

Your Role at Institution

Compliance Track

Charity Name (if donation track)

How did you hear about us? Anything else we should know?

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. Most decisions in 24 hours.

Apply Now → Call 330-238-3003

✓ No obligation ✓ Soft pull only ✓ Free to apply ✓ Bank declines welcome

500 FICO minimum · $4K–$6K+/month revenue · Funded in 1–3 days

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