Bookkeeper Client Qualification Checklist

Bookkeeper Partner Resources

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

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

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

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

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