You're already processing what MCA underwriters want to see: daily transaction volume, consistency, growth trends, and chargeback rates. You can pre-screen candidates more accurately than any other referral partner type, before making a single introduction.
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 and partner agreement
Onboarding materials and a dedicated support contact
Access to the full partner toolkit
Registration takes approximately 5 minutes.
The merchants you already board are the ones this guide is about: card volume you can see, in a business you already understand.
Step 2: Run a Portfolio Data Review
Step 2
Use Processing Data to Identify Strong Candidates
Before reaching out to any merchant, screen your portfolio using the data you already have:
Monthly volume $15,000-$150,000: Strong MCA candidate range
Consistent daily transaction activity: MCA approval is heavily dependent on deposit consistency; merchants with daily or near-daily activity are most fundable
Low chargeback rate (under 2%): High chargebacks are a red flag in underwriting; pre-screen these out
Growing volume trend: 6+ months of volume data showing stability or growth → high approval probability
No 6+ NSF/return events in 90 days: High return events indicate cash flow stress that may disqualify
The 15-Minute Portfolio Audit: At the start of each month, review your active merchant list. Flag any merchant with $15K+ monthly volume and consistent daily activity. These are your warm candidates, make a list, then introduce over the next 30 days using natural conversation moments.
A salon or spa on your portfolio shows steady daily batches, which is exactly the deposit pattern a provider reviews first.
Step 4: Make the Introduction in Context
Step 4
Scripts for Merchant Processor Conversations
Introductions work best when they're tied to an existing service interaction. Never lead with "I get paid if you apply." Lead with the value to the merchant.
Script: During a Processing Fee Inquiry
"I'll take a look at your rate structure. I also wanted to mention, looking at your volume, you'd be in a strong position for working capital if you ever needed it. I work with a funding company that uses processing data as part of their process, and they move quickly. Want me to send you their info?"
Script: After Volume Growth (30-Day Review)
"Your volume was up about 20% last month, great to see. Sometimes when things are growing fast, cash flow becomes the constraint. I have a resource for working capital I recommend to merchants in your situation. I can send you the link if you want to explore it."
Script: Onboarding a New Merchant
"Welcome aboard. One more thing while I have you: we also work with a business funding partner that helps merchants access working capital based on their processing volume. You can bookmark it for later: [YOUR REFERRAL LINK]. No obligation, just a resource we offer."
Email Template: Monthly Portfolio Follow-Up
Subject: A resource for growing merchants, quick share
Hi [Name],
I was reviewing your account this month and wanted to share a resource I make available to merchants who are in a strong processing position.
T.A.G. Business Funding works with businesses like yours: they use processing history as part of their review process.
Link here: [YOUR REFERRAL LINK]
No pressure, just wanted to make sure you had it in case it's ever useful.
[Your Name]
Step 5: T.A.G. Handles the Application
Step 5
What Happens After the Introduction
T.A.G. contacts the merchant to start the application
Application, underwriting, and funding are fully managed by T.A.G.
Approval decision and funding: timeline is set by the funding provider after reviewing a complete file
You are notified when your merchant funds
Referral fee paid within 5 business days of funding
Your Portfolio Is Already Pre-Screened
Register once. Your transaction data does the qualification work for you.
