T.A.G. Bank Partner Program: refer declined loan applicants and earn up to 2% referral fees. Maintain client relationships, support your community.
T.A.G. Partner Program
When you can't approve a business loan, refer them to T.A.G. Your client gets funded. You maintain the relationship. You earn up to 2% of every funded advance.
Every bank processes declined business loan applications. The choice isn't whether to say "no" — it's what happens after.
Bankers who refer declined applicants to T.A.G. do three things at once: support a client who needs help, maintain a relationship that may grow into a future deposit account or approved loan, and earn revenue on an application that would otherwise generate nothing.
Complete the affiliate registration at /affiliate. Receive your unique referral link and partner agreement. Takes 5 minutes.
Use the Client Qualification Checklist to screen for viable candidates. Not every declined applicant is a good MCA candidate — the checklist prevents wasted referrals.
Email the client with your referral link and a brief explanation. Frame it as: "I can't help you here, but I know someone who can." Banker Toolkit has copy-paste templates.
T.A.G. manages the entire application, underwriting, and funding process. You are not involved after the introduction. Your client's information is never shared back to your institution.
Up to 2% of the funded advance, paid within 5 business days. ACH or check. Annual 1099 provided.
Banker referrals are exceptionally high-value — a decline from a bank officer is often the triggering event for an MCA application, and your warm handoff dramatically increases conversion. Commissions are up to 2% of the funded amount — paid monthly via ACH with no cap.
| Advance Size | Your Commission | Basis |
|---|---|---|
| $25,000 advance | Up to $500 | of the funded amount |
| $75,000 advance | Up to $1,500 | of the funded amount |
| $150,000 advance | Up to $3,000 | of the funded amount |
| $300,000 advance | Up to $6,000 | of the funded amount |
Actual commission rate confirmed in your referral partner agreement. Commissions paid on funded deals only.
As a Banker, you already see the signs. These are the most common triggers that tell you a referral conversation is appropriate.
Your most qualified referrals are the businesses you had to decline. A warm referral to T.A.G. immediately after a decline turns a negative into a positive outcome for your client.
SBA loans take 30–90 days. A business owner who needs capital in 5–10 days is not an SBA candidate — they're an MCA candidate.
Most banks require 680+ FICO. T.A.G.'s minimum is 500. Clients just below your threshold may qualify.
Banks require collateral for most loans over $50,000. MCA requires none. Businesses without real estate equity or equipment collateral are ideal MCA candidates.
Bank underwriting automatically declines on tax liens. MCA underwriters evaluate current revenue performance — a business with a resolved or payment-plan lien may still qualify.
Banks typically require 2+ years of operating history. MCA requires only 6 months. Early-stage businesses that are already generating revenue are strong MCA candidates.
Many banks have formal or informal referral programs for declined applicants. Check your bank's policies. In most cases, bankers can make personal referrals in their individual capacity for businesses they were unable to help. Always disclose any referral relationship and confirm with compliance.
T.A.G. is an ISO broker — we work with a vetted network of licensed MCA funders who are required to comply with applicable commercial finance disclosure laws (where enacted). Every offer includes full disclosure of total payback amount, factor rate, and repayment structure. You can review a sample disclosure on our terms page.
That's why the referral conversation matters. Set expectations clearly: "MCA is more expensive than a bank loan — but for businesses that don't qualify for bank financing, it's often the only option. Make sure you understand the full cost before signing." Clients who understand the tradeoff upfront are satisfied clients.
Check your bank's consumer and commercial referral policies. Most allow bankers to make informal referrals in their personal capacity, provided they disclose the referral relationship. Some banks have formalized this with referral programs. When in doubt, consult your compliance team. T.A.G. can provide documentation of our licensing and disclosure practices.
Do not share application data with T.A.G. or any third party without the client's explicit consent. The referral should be a simple warm introduction: the client contacts T.A.G. and provides their own documentation through their own application process. You are not transferring data — you are making an introduction.
Yes. Credit union loan officers are among T.A.G.'s most active bank-channel partners. Credit unions often serve the same member-businesses that need MCA — small, community-based operators who don't qualify for credit union lending products but need capital fast.
Every declined loan application is an opportunity to support your client and generate revenue. Takes 5 minutes to register.
T.A.G. Business Funding
500 FICO minimum. Bank declines OK. Revenue matters more than credit score. Most decisions in 24 hours.
500 FICO minimum · $4K–$6K+/month revenue · Funded in 1–3 days
