T.A.G. Business Funding CPA referral program: earn referral income by connecting your small business clients with working capital.
Your small business clients need working capital. Banks say no. You know who has cash flow — and you know who should borrow. T.A.G. turns your industry knowledge into referral income.
CPA Partner Resources
A client needs working capital — expansion, equipment, inventory, cash flow gap
Email your client our funding page with your referral link or call us directly
Application, underwriting, document collection — you stay out of it. 24–48hr decision.
We pay your referral fee within 5 business days of the advance funding
→ Use our Client Qualification Checklist to screen clients before referring
→ See the full CPA Compliance FAQ for detailed disclosure guidance
CPA referrals convert at 3–4x the rate of cold leads because clients trust their CPA's guidance on financial decisions. Commissions are up to 2% of the funded amount — paid monthly via ACH with no cap.
| Advance Size | Your Commission | Basis |
|---|---|---|
| $25,000 advance | Up to $500 | of the funded amount |
| $75,000 advance | Up to $1,500 | of the funded amount |
| $150,000 advance | Up to $3,000 | of the funded amount |
| $300,000 advance | Up to $6,000 | of the funded amount |
Actual commission rate confirmed in your referral partner agreement. Commissions paid on funded deals only.
As a CPA, you already see the signs. These are the most common triggers that tell you a referral conversation is appropriate.
When a client mentions they're "a little tight" or asks if they should defer a tax payment — that's a capital gap conversation.
NSFs and declined purchases signal immediate working capital need. Act fast — these clients are days from a crisis.
A Schedule C showing $400K revenue but $20K end-of-year cash is a textbook MCA candidate.
New lease, new equipment, new hire — expansion always creates a working capital need before new revenue arrives.
Clients with slow-paying customers — contractors, healthcare practices, B2B service firms — are ideal MCA candidates.
A bank decline is not the end. It's your opportunity to introduce an alternative. Most CPA referrals start with a client who just got declined.
Position it as a service, not a sale. "I was reviewing your financials and noticed you might qualify for working capital — here's a resource I recommend." Clients respect CPAs who proactively surface solutions.
Only refer clients who clearly need capital and have consistent monthly revenue. If a client has under $4K/month in deposits or is under 6 months old, they're not a fit yet — and that's fine. T.A.G. can still help you answer their questions without a hard pitch.
As a CPA, your clients trust you to help them evaluate total cost of capital. An MCA at 1.25–1.45 factor rate is expensive compared to bank debt — but a bank that declines them has an effective cost of infinity. The right question is: what does this capital enable, and does the ROI justify the cost?
In most states, referring clients to a commercial finance provider does not require a finance or broker license — particularly when the referral is incidental to your primary CPA practice. However, state laws vary. T.A.G. recommends you confirm with your state board and carry E&O insurance. See our CPA compliance FAQ for a state-by-state overview.
T.A.G. provides each CPA partner with a unique referral link and access to a partner portal where you can track submitted referrals, approval status, funded amounts, and earned commissions. Commissions are paid monthly via ACH.
Clients who don't currently qualify are declined without any obligation — and T.A.G. can help you understand why, so you can advise your client on what to improve. Many clients become eligible within 3–6 months with the right guidance. You stay in the loop.
Register as an affiliate partner, get your unique referral link, and start referring within 10 minutes.
T.A.G. Business Funding
500 FICO minimum. Bank declines OK. Revenue matters more than credit score. Most decisions in 24 hours.
500 FICO minimum · $4K–$6K+/month revenue · Funded in 1–3 days
