Revenue & Deposit Activity (Data You Already Have)

$15,000+ per month in average business bank deposits (3-month average)

Deposits occur at least 3–4 times per week — not one monthly lump sum

Revenue is stable or growing vs. same period last year (not declining 30%+)

Business has been actively depositing for 6+ months

Cash Flow Health Indicators

Fewer than 3 NSFs in the most recent month's bank statement

Average daily balance positive and above zero on most days

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

Client has a legitimate, specific use for capital: payroll bridge, equipment, inventory, contract startup costs

Why This Client Needs Capital Now

Cash position is tight relative to upcoming obligations — payroll, rent, supplier payments

Revenue growth is straining working capital (growing company, tight cash)

Slow season approaching without adequate reserve (seasonal business)

Large contract or opportunity requiring upfront capital before revenue arrives

Bank loan or line of credit was declined, leaving capital gap

Disqualifiers — Check These Last

5+ NSFs in any recent month

3+ existing MCA positions currently deducting daily

Active bankruptcy (Chapter 7 or 11)

Revenue declining 30%+ with no recovery in sight — capital won't solve the underlying problem

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Qualification items confirmed

Complete the checklist to see your recommendation.

How to Use This Checklist

Making the Referral Conversation — A Script for Bookkeepers

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.

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Client Qualification Checklist