Bookkeeper Partner Toolkit

"Before we wrap up: I want to flag something I'm seeing in your numbers. Your average daily balance is down to about [X days] of operating expenses. That's tighter than I'd like to see heading into [slow season / next quarter's obligations]. Rather than wait until it becomes an emergency, I want to mention a resource I recommend when clients hit this pattern. T.A.G. Business Funding can get working capital to your account, with decision and funding timing set by the funding provider after review. Based on your deposit history, you'd likely qualify for [estimated range]. I want to be upfront: I receive a referral fee if you fund with them. But my recommendation is based on what your numbers are telling me, not the fee. Want me to send you the link to check it out?"

"Good news and a flag. Revenue is up [X]%: which is genuinely great. But I want to flag something that happens to growing businesses. You're funding growth out of cash before revenue arrives. The deposits are coming in, but you're paying for labor, materials, or inventory before you collect. That's a working capital gap, and it's normal at this growth rate: but it's going to keep limiting how fast you can take on work. The fix is a capital injection to bridge the gap. It's not a sign your business is struggling: it's the opposite. You're growing faster than cash flow allows. T.A.G. Business Funding would likely offer you [estimated range] based on your statements. I may earn a referral fee, and I'd rather tell you that upfront. Want me to send you the link?"

"Quick item before we close out: this is actually the best time of year to look at working capital if you've been thinking about it. MCAs are priced on your last 6 consecutive months of business bank deposits. Your [summer / peak season] statements are your strongest of the year. If you apply now, you'd qualify for significantly more than if you wait until winter. If you have anything on your wish list (equipment, a marketing push, building a cash reserve for slow season), now is the window to act. I may earn a referral fee through this, so full disclosure there. But the timing advice is genuine. Want the link to check what you'd qualify for?"

Subject: Quick Flag from Your [Month] Review (Cash Position) Hi [Client Name], From your [month] reconciliation: wanted to flag something in writing. Your current cash position is [X days] of operating expenses. Based on your upcoming obligations ([payroll/rent/supplier payments due]), that's tighter than I'd like to see. If you want to address this proactively (which is always easier than reactively), T.A.G. Business Funding can get working capital to your account, with decision and funding timing set by the funding provider after review: → [YOUR REFERRAL LINK] Based on your deposit history, you'd likely qualify for $[estimated range]. No hard credit pull to apply. Full disclosure: I receive a referral fee if you fund with them. My recommendation is based on your numbers. Let me know if you want to talk through whether this makes sense before you apply. [Your Name]

Subject: Congrats on [Contract], Quick Capital Note Hi [Client Name], Great news on [the contract / the new project]. One practical item to flag: If the project requires materials, labor, or equipment before your first payment arrives, you'll be financing that gap out of cash. At $[contract size], that could be a meaningful strain. A merchant cash advance from T.A.G. could bridge that gap: get capital now based on your current deposit history, deploy it for the project, repay it as project payments come in. Your statements are strong right now, which means this is the right time to apply: → [YOUR REFERRAL LINK] Decision once your file is complete. Disclosure: I may earn a referral fee if you fund through them. [Your Name]

Disclosure: I may receive a referral fee from Towers Asset Group LLC if you obtain funding through the link above. This arrangement does not affect the bookkeeping services I provide you. You are under no obligation to apply or accept any funding offer.