CPA Partner Toolkit

Subject: Working Capital Resource: Introduction Hi [Client Name], During our recent conversation, you mentioned needing working capital for [reason]. I wanted to connect you with a resource that may be a better fit than a traditional bank loan for your situation. Towers Asset Group (T.A.G.) is a business funding specialist I recommend when clients need faster access to capital than their bank can provide. They specialize in merchant cash advances, with decision and funding timing set by the funding provider once your file is complete. This could be a good fit if you need $15,000 to $500,000 and your business has been active for at least 6 months. You can start an application here: [YOUR REFERRAL LINK] There's no cost to apply and no obligation to accept any offer. Feel free to call me if you have questions about whether this is the right move for your situation. Please be aware that I may receive a referral fee if you obtain funding through this program. This does not affect the advice I provide you. Best regards, [Your Name], CPA [Firm Name]

Subject: Follow-Up: Working Capital Option We Discussed Hi [Client Name], Great meeting today. As I mentioned, if the timing isn't right for a traditional bank loan or SBA application, there's a faster-path option worth considering. Towers Asset Group (T.A.G.) works specifically with businesses like yours: established, revenue-generating companies that need working capital faster than banks can move. What they typically offer: • $15,000 to $500,000 in working capital • Decision and funding timing set by the funding provider once your file is complete • No collateral, no tax returns for most advances Start here: [YOUR REFERRAL LINK] I'd recommend this primarily if you have a specific, near-term use for the capital: equipment, inventory, payroll bridge, or expansion. If you're unsure whether it's the right move, call me first. Disclosure: I may receive a referral fee if you fund through this program. Talk soon, [Your Name]

Subject: Pre-Season Capital: Timing Window Open Now Hi [Client Name], For seasonal businesses, there's a narrow window when working capital is cheapest and easiest to get: 4 to 6 weeks before your busy season starts, when your bank statements show strong recent deposits. If you've been thinking about stocking up on inventory, upgrading equipment, or hiring before the rush: now is the time to apply, not in the middle of your peak. Towers Asset Group can move once your file is complete, with funding timing set by the provider: → [YOUR REFERRAL LINK] Applying early means you have options. Applying during your peak means you may be over-leveraged when things slow down. I'd rather see you apply now. Let me know if you'd like to talk through the numbers first. [Your Name], CPA Disclosure: I may receive a referral fee if you obtain funding through this program.

Subject: Alternative After Bank Decline Hi [Client Name], I heard from you that [Bank Name] passed on the line of credit. That's frustrating: especially when you have a legitimate need and real revenue. It may be worth exploring a merchant cash advance as an interim solution. T.A.G.'s funding partners evaluate applications based primarily on bank statement activity (not tax returns, collateral, or credit score), which is why many businesses that get declined by banks get approved here. This isn't for everyone. But if you need capital in the next 30 to 60 days and don't want to wait for another bank application cycle, it's worth getting a term sheet and seeing what they offer. Apply here: [YOUR REFERRAL LINK] No application fee. You can review the offer before committing to anything. Disclosure: I may receive a referral fee if you fund through this program. [Your Name]