Insurance Agent Referral Program
Client Qualification Checklist
Check each item that applies to screen a commercial client before referring. Takes under 2 minutes.
Insurance Agent Partner Resources
Capital Trigger Present
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 $8,000 consistently DISQUALIFIER
5 or more NSF/returned items in the last 90 days DISQUALIFIER
3 or more existing MCA positions stacked DISQUALIFIER
Client Looks Qualified?
Register as a partner to get your referral link, then make the introduction.
T.A.G. Business Funding