U.S.A. Canada
Get Funding →
Quick Answer

Step-by-step guide for bookkeepers to proactively identify clients who need capital, how to make the introduction, and how fees are paid.

Bookkeeper Referral Program

Bookkeeper Referral Guide

When to bring it up, how to make the introduction, and what to say.

Bookkeeper Partner Resources

← Hub Client Checklist FAQ Revenue Calculator Toolkit
1

Register as a Partner

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

2
Cash reserve referral trigger zone A days-of-operating-expense axis from 0 to 30+ days. Below 10 days of average daily balance is the referral trigger zone (red); 10 to 30 days is a watch zone (amber); 30+ days is healthy (green). 0-10 days 10-30 days 30+ days Referral Trigger Watch Healthy Average daily balance, in days of operating expenses covered

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.
Bookkeeper in an office opening a client folder at a standing desk
The signal usually turns up in the monthly close, not in a conversation the client starts.
3

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.

4

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.

5

Follow Up by Email with Your Referral Link

6

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.
Person reading a file in front of shelves of color coded lever arch binders
Everything you need to spot a candidate is already sitting in the file you reconcile every month.
System Integration
How to Surface Referral Opportunities in Your Bookkeeping Workflow
Credit card utilization referral trigger A credit card utilization axis from 0 to 100 percent, with the referral trigger zone highlighted above 80 percent. 0% 40% 80% 100% Trigger Zone Business credit card utilization
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.

Start Making Proactive Referrals

Register, get your referral link, and bring it up in your next monthly client review.

Register as a Partner → Client Qualification Checklist

T.A.G. Business Funding

See If Your Business Qualifies

500 FICO minimum. Bank declines OK. Revenue matters more than credit score. The funding provider sets the actual decision timeline after reviewing a complete file.

Apply Now → Call 330-238-3003
✓ No obligation ✓ Soft pull to start ✓ Free to apply ✓ Bank declines welcome

500 FICO minimum  ·  $4K-$6K+/month revenue  ·  Funding timing is set by the funding provider after review