Bookkeeper Referral Guide

Bookkeeper Partner Resources

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Register as a Partner

Go to /affiliate and complete the partner registration. You'll receive your unique referral link immediately. Takes 5 minutes.

Spot the Signal During Your Monthly Review

You don't need to wait for clients to ask — the signals are in their numbers. Look for these patterns during your regular reconciliation or monthly review:

Average daily balance below 10 days of operating expenses
Deposit velocity slowing — fewer deposits per week than prior months
Payroll or supplier payments getting delayed
Revenue up but cash tight — working capital constraint on growth
Client entering a slow season without adequate cash reserves
Client just signed a large contract but materials/labor needed upfront

You don't need the client to tell you they need capital. You already have the information. That's your advantage.

Use the Client Qualification Checklist

Before introducing any client, run through the Client Qualification Checklist. As their bookkeeper, you have a unique advantage: you already have most of this information. A 2-minute check prevents a bad referral experience.

Introduce It Naturally in Your Monthly Conversation

The most effective time is during the monthly review when you're discussing the numbers. Frame it as a proactive observation, not a sales pitch.

Monthly Review Script — Cash Flow Warning

"I'm looking at your numbers for [month] and I want to flag something. Your average daily balance is tighter than usual — you're down to about [X days] of operating expenses. Heading into [slow season / next quarter], I'd rather we address this proactively. There's a working capital option I recommend when clients hit this pattern. T.A.G. Business Funding can get you $[estimated range] in 3–5 business days, based on your deposit history. Your statements look clean, so approval should be straightforward. I want to be transparent: I receive a referral fee if you fund through them. It doesn't affect the advice I'm giving you — I'm flagging it because your numbers are telling me you need to think about this. Want me to send you the link?"

Monthly Review Script — Growth Capital

"Good news and bad news. Revenue is up [X]% — which is great. But cash is tighter than it should be at this level of growth, because you're funding growth out of cash before invoices or receivables come in. This is a classic working capital constraint. The business is healthy — you just need a capital injection to bridge the gap between work and payment. T.A.G. Business Funding is designed for exactly this situation. Fair disclosure: there's a referral arrangement and I may receive a fee. But the math on a $[X]K advance at current revenue actually makes sense — let me walk you through it."

Follow Up by Email with Your Referral Link

Follow-Up Email Template

Subject: Working Capital Resource — As We Discussed Hi [Client Name], As I mentioned during our call, here's the link to T.A.G. Business Funding: → [YOUR REFERRAL LINK] Based on your recent deposit history, you should qualify for working capital in the $[estimated range] range. Application takes about 15 minutes. Decisions come back in 24–48 hours. As noted, I have a referral arrangement with them and may receive a fee if you fund. That doesn't change my recommendation — your cash position warrants looking at options. Let me know if you want to talk through the numbers first. [Your Name]

Receive Your Referral Fee

Up to 2% of the funded advance amount, paid within 5 business days. Annual 1099-NEC provided for amounts over $600.

Bookkeepers who make proactive referrals typically see higher approval rates than average — because they screen clients using actual financial data rather than guessing.

System Integration

How to Surface Referral Opportunities in Your Bookkeeping Workflow

Monthly reconciliation trigger

During monthly reconciliation, flag any client whose end-of-month balance is below 1 month of average operating expenses. These clients are one bad week from a payroll problem — proactive outreach is valuable advice.

AP aging trigger

If a client's AP aging report shows vendor invoices being delayed past their payment terms, that's a cash flow signal. Mention working capital in your next check-in: "I noticed some vendors are being paid late — are you experiencing a cash flow gap we should address?"

Owner draw vs. revenue ratio trigger

When a client's owner draws are increasing while cash reserves are decreasing — they're paying themselves by drawing down cash rather than from profits. This is a common indicator that the business needs working capital.

Credit card utilization trigger

When you reconcile business credit card statements and see utilization above 80%, that's a cash flow signal. Clients using credit cards to fund operations are paying credit card interest when MCA might be cheaper and more sustainable.

Bookkeeper Referral Guide

Register as a Partner

Spot the Signal During Your Monthly Review

Use the Client Qualification Checklist

Introduce It Naturally in Your Monthly Conversation

Follow Up by Email with Your Referral Link

Receive Your Referral Fee

Start Making Proactive Referrals

See If Your Business Qualifies