T.A.G.T.A.G. Business Funding

Insurance Agent Referral Program

Insurance Agent Referral Guide: Step-by-Step

From first client conversation to receiving your referral fee — every step covered.

Insurance Agent Partner Resources

← Hub Revenue Calculator Client Checklist FAQ Toolkit
Before you start: Review your state's insurance code on referral fee arrangements and any carrier agreements you're under. Requirements vary by state. The FAQ page covers the regulatory landscape in detail.

Step 1: Register as a Partner

Step 1
Register and Get Your Referral Link

Go to /affiliate to complete registration. You'll receive:

  • Your unique referral link (e.g., funding.towersassetgroup.com?ref=XXXXXX)
  • A copy of the partner referral agreement
  • Onboarding materials and support contact

Registration takes approximately 5 minutes.

Step 2: Know the 6 Capital Triggers

Step 2
Identify Capital Triggers During Client Interactions

These 6 situations arise naturally in insurance conversations and often indicate a capital need. Add them to your mental checklist for every commercial client conversation:

  • Loss event (partial): Client dealing with a partial loss where insurance payment takes 30–90 days — needs bridge capital
  • Policy renewal: Conversation reveals expansion, new equipment, or higher revenue — business may need working capital
  • Coverage upgrade: Increasing limits signals growth — natural time to ask about capital needs
  • Fleet or equipment addition: New vehicle or equipment means expansion — capital often needed alongside the coverage
  • New location insured: Almost always requires working capital for build-out, staffing, and inventory
  • Disaster recovery: Business recovering from storm, fire, or flooding needs bridge capital while claims are processed

Step 3: Qualify Before You Refer

Step 3
Run a Quick Qualification Check

Before making an introduction, use the Client Qualification Checklist to confirm the business is a viable candidate. The basics:

  • In business 6+ months
  • $15,000+/month in gross revenue
  • Active business bank account
  • No open bankruptcy
  • No more than 2 existing MCAs

The checklist takes under 2 minutes and helps ensure you're only introducing clients who are likely to be approved — protecting the relationship and your credibility.

Step 4: Make the Introduction Naturally

Step 4
Scripts for Each Capital Trigger Scenario

The most effective referral is a low-pressure add-on to an existing conversation — not a separate sales call. Here are scripts for the most common scenarios:

Script — Policy Renewal (Growth Signal)
"You mentioned adding that second truck to the policy — it sounds like business is growing. A lot of my clients who are expanding find that working capital helps them move faster than waiting for cash flow to catch up. I have a resource I recommend — it's worth a quick look. Want me to send you the link?"
Script — Loss Event (Bridge Capital)
"I know this isn't your ideal situation while you're waiting on the claim. One thing some of my clients use when they're in a cash flow gap — there's a working capital company I've referred others to while the insurance payment processes. It's not a permanent solution, but it can bridge the gap. I can send you the information if that would help."
Script — New Location (Expansion)
"Getting the new location insured — what's your timeline on the build-out? For clients opening a new location, working capital is often what keeps the timeline on track. I work with a funding company that moves fast — 3–5 days to funding in most cases. Want me to introduce you?"
Email Template — Post-Renewal Follow-Up
Subject: A resource for [Client Name] — working capital

Hi [Name],

Great catching up during your renewal. As I mentioned, your business sounds like it's in a strong position heading into next year.

I wanted to share a resource I recommend to commercial clients who are growing or managing seasonal cash flow: T.A.G. Business Funding. They work exclusively with small businesses and can move quickly when capital is needed.

Here's my referral link if you ever want to explore it: [YOUR REFERRAL LINK]

No pressure — just wanted to make sure you had it.

[Your Name]

Step 5: T.A.G. Handles the Rest

Step 5
What Happens After the Introduction
  • T.A.G. contacts the client directly to start the application process
  • Application, underwriting, and funding are handled entirely by T.A.G.
  • Typical approval: 24–48 hours from completed application
  • Typical funding: 3–5 business days
  • You receive a notification when your referred client funds
  • Your referral fee is paid within 5 business days of funding

Compliance Notes for Insurance Agents

State Insurance Code Compliance

Referral fee arrangements for insurance agents are regulated at the state level and vary significantly. Some states explicitly permit referral fees for non-insurance products; others require disclosure or limit fee structures. Review your state's insurance code before participating. Key considerations:

• Most states permit referral fees for non-insurance products (working capital is not an insurance product)
• Carrier agreements may have their own restrictions on outside business activities
• Disclosure to clients of any referral relationship is a best practice regardless of state requirement
• The referral fee is paid by T.A.G., not charged to the client — this is a standard commercial arrangement

Consult your state's Department of Insurance or your E&O carrier if you have questions.

Start Earning From Every Renewal Conversation

Register once. Use the triggers above at your next appointment.

Become a Partner →