Client is experiencing a loss event or insurance claim process (bridge capital need)
Policy renewal conversation revealed expansion, new equipment, or significant revenue growth
Client is adding fleet, equipment, or insuring a new business location
Client mentioned a capital need, cash flow concern, or difficulty accessing bank financing
Business Fundamentals
Business has been operating for 6+ months
Gross revenue is at least $15,000/month
Business operates a commercial bank account (not just personal)
Business is legally registered (LLC, corp, partnership, or sole prop with DBA)
Cash Flow Health
Revenue has been relatively consistent (not declining significantly for 3+ months)
Business makes regular deposits into their bank account
No signs of significant cash flow distress beyond the stated capital need
Existing Obligations
No more than 2 existing MCA positions (ideally 0-1)
Monthly debt service on existing obligations is under 20% of monthly revenue
Business owner is willing to personally guarantee (or provide personal bank statement)
Disqualifiers: Check If Present
Active or pending bankruptcy DISQUALIFIER
Business has been open less than 3 months DISQUALIFIER
Monthly revenue under $4,000 consistently DISQUALIFIER
5 or more NSF/returned items in the last 90 days DISQUALIFIER
3 or more existing MCA positions stacked DISQUALIFIER
How to Use This Checklist
The renewal conversation is usually the moment you already have: a client talking through what changed in their business this year.
Making the Referral Conversation: A Script for Insurance Agents
Once you've identified a client who scores positively on the checklist above, here's how to introduce the conversation naturally:
Opening (warm, not salesy)
"I was reviewing your situation and noticed that you're in a position where a working capital solution might help you [grow / bridge the gap / stabilize cash flow]. I partner with a business funding company, T.A.G. Business Funding, and they specialize in fast capital for businesses like yours. Would it be OK if I had them reach out?"
If they ask about cost
"It's more expensive than a bank loan, but T.A.G. works with businesses that can't get bank approval, and they're transparent about the full cost upfront before you sign anything. There's no obligation just to see what you qualify for."
If they say they don't need capital right now
"That's fine, it's good to know what you qualify for before you need it. Most business owners wish they'd applied before a crisis rather than during one. I can have T.A.G. do a soft pre-qualification with no impact to your credit if you want to know your options."
Disclosure Reminder
You receive a referral fee when T.A.G. funds your client. Best practice is to disclose this relationship when making the introduction: "I should mention, I have a referral partnership with T.A.G. and receive a commission if they fund your business. That said, I only refer clients I believe are a genuine fit." Transparency builds trust and protects you from any regulatory concerns.
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.
