Decline Reason Analysis

Declined primarily for insufficient collateral — not cash flow or payment history problems

Declined because business is under 2 years old — meets MCA minimum of 6–12 months

Declined because loan amount was below bank minimum — MCA starts at $15,000

Declined for thin credit file — not derogatory credit history

Business Fundamentals

US-based, legally operating business with a verifiable physical address

$15,000 or more per month in business bank deposits (not personal account)

Business has been actively depositing into bank account for 6+ months

Has a specific, legitimate use for the funds: equipment, inventory, payroll, expansion

Cash Flow Health

Fewer than 3 NSFs in any single recent month (you have visibility into this from the application)

Deposits occur 3+ times per week — not one large monthly direct deposit

Average daily balance positive — not consistently running near zero or negative

No active wage garnishments, IRS levies, or court-ordered holds on the account

Existing Obligations

0 or 1 existing MCA positions currently deducting from the account

Existing MCA payments (if any) represent less than 20% of monthly deposits

Disqualifiers — Check These Last

If any apply, do not refer at this time.

Declined for suspected fraud or documentation falsification

Active bankruptcy (Chapter 7 or 11)

3+ existing MCA positions currently deducting daily

Revenue has declined 30%+ in the last 90 days with no explainable reason

0 / 14

Qualification items confirmed

Complete the checklist to see your recommendation.

How to Use This Checklist

Making the Referral Conversation — A Script for Bankers

Once you've identified a client who scores positively on the checklist above, here's how to introduce the conversation naturally:

Opening (warm, not salesy)

"I was reviewing your situation and noticed that you're in a position where a working capital solution might help you [grow / bridge the gap / stabilize cash flow]. I partner with a business funding company — T.A.G. Business Funding — and they specialize in fast capital for businesses like yours. Would it be OK if I had them reach out?"

If they ask about cost

"It's more expensive than a bank loan — but T.A.G. works with businesses that can't get bank approval, and they're transparent about the full cost upfront before you sign anything. There's no obligation just to see what you qualify for."

If they say they don't need capital right now

"That's fine — it's good to know what you qualify for before you need it. Most business owners wish they'd applied before a crisis rather than during one. I can have T.A.G. do a soft pre-qualification with no impact to your credit if you want to know your options."

Disclosure Reminder

You receive a referral fee when T.A.G. funds your client. Best practice is to disclose this relationship when making the introduction: "I should mention — I have a referral partnership with T.A.G. and receive a commission if they fund your business. That said, I only refer clients I believe are a genuine fit." Transparency builds trust and protects you from any regulatory concerns.

Full Banker Partner Guide →

Strong Candidate? Make the Introduction.

Get your referral link and make the introduction while the client is still engaged.

Get My Referral Link → Get Introduction Scripts

Declined Applicant Qualification Checklist