Quick Answer

Payroll providers: earn $500 to $2,500+ per funded deal by referring clients who hit payroll gaps. No cost, no paperwork until your first deal funds. Join T.A.G.

Payroll Provider Referral Program

Your Clients Hit Payroll Gaps.
You Can Solve It and Get Paid.

When a small business client is scrambling to make payroll and a bank can't move in time: you now have a solution. Refer them to T.A.G. Business Funding and earn up to 2% of every funded deal. No cost. No paperwork until your first deal funds.

Join the Referral Program โ†’
Two people writing details and applying barcode labels to shipping boxes
A payroll provider already sees the exact numbers, the same way these two see every label on every box, that make a referral worth making.

Why Payroll Providers Are Natural Partners

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You see cash flow first
You process payroll: you know before anyone else when a client's account balance looks thin, when payroll is being delayed, or when direct deposits are at risk of bouncing.
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We fund faster than banks
Banks take 4 to 8 weeks. SBA takes 30 to 90 days. A payroll crisis can't wait. Funding timing is set by the funding provider after review, but MCA is typically the fastest path among these options.
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You get paid per deal
Earn a referral commission (typically 1-2% of the funded amount) on every deal that closes. $30,000 funded = $300-$600 commission to you. Multiple referrals add up fast.
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You become the problem solver
When a client has a payroll crisis and you solve it, you go from service provider to indispensable partner. Referrals to capital solutions deepen the relationship and reduce churn.
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Zero overhead for you
You make the introduction. We handle the application, underwriting, funding, and repayment. No compliance burden, no liability, no paperwork until your first deal funds.
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W-9 only after first deal
No tax forms until you have a funded deal to report. Sign up, get your referral link, and start referring: paperwork follows revenue, not the other way around.

What You Earn Per Funded Deal

Commission is 1-2% of the funded amount. Here's what that looks like across deal sizes.

$150 to $300
$15,000 deal
$300 to $600
$30,000 deal
$500 to $1,000
$50,000 deal
$1,000 to $2,000
$100,000 deal
$2,500 to $5,000
$250,000 deal

Commission rates vary by deal. W-9 required after first funded deal. Commission processed within 14 days of funding.

Commission range by deal size A bar comparison from the table above: a $15,000 deal earns $150 to $300, a $50,000 deal earns $500 to $1,000, and a $250,000 deal earns $2,500 to $5,000, at the 1 to 2 percent commission rate. $15,000 deal $150 to $300 $50,000 deal $500 to $1,000 $100,000 deal $1,000 to $2,000 $250,000 deal $2,500 to $5,000
Same commission table above, at the 1 to 2 percent rate.
Gloved hands fastening mounting hardware to a solar panel rail on a roof
Every scenario below started as a specific, concrete problem, the kind of on-the-job detail a payroll provider is often the first to hear about.

Illustrative Payroll Partner Scenarios

These are hypothetical, illustrative scenarios for educational purposes, not descriptions of actual referrals or client transactions. Individual results vary; decision and funding timing are set by the funding provider after review.

Illustrative: Restaurant Payroll Gap
Bi-weekly payroll due Friday, owner's account short
A payroll provider notices a restaurant client's account is underfunded ahead of a bi-weekly payroll run and refers the owner to T.A.G. In this illustrative scenario, an $18,000 advance covers the gap, with funding timing set by the provider after review. Illustrative commission at a 2% rate: $360.
โœ“ Illustrative commission: $360
Illustrative: Construction Payroll Gap
Waiting on a GC payment, employees due Monday
A subcontractor's general contractor is running late on a $60,000 payment, with employees due Monday. The payroll provider refers the subcontractor to T.A.G. In this illustrative scenario, a $25,000 advance covers payroll while the project continues. Illustrative commission at a 2% rate: $500.
โœ“ Illustrative commission: $500
Illustrative: Retail Expansion Gap
Second location open, headcount grew before revenue caught up
A retail boutique opens a second location and hires staff before the new location is generating revenue. The payroll provider refers the owner to T.A.G. In this illustrative scenario, a $35,000 working capital advance bridges the gap while the new location ramps up. Illustrative commission at a 2% rate: $700.
โœ“ Illustrative commission: $700

How the Referral Works: 3 Steps

The three referral steps A three-step flow: sign up and get your referral link, send a client to your link, and get paid when they fund. 1 Get your referral link 2 Send a client to your link 3 Get paid when they fund
The same three steps described below.
1

Sign up and get your referral link

Takes 2 minutes. No W-9 until your first deal funds. You get a unique referral URL to share with clients.

2

Send a client to your link

Text, email, or verbally share your referral link. Client applies online: one page, 6 consecutive months of bank statements. Decision and funding timing are set by the funding provider after review.

3

Get paid when they fund

If the client is approved and funds, your commission is logged, you're notified, and you receive payment within 14 days of the client's funding date. No follow-up required.

Payroll Partner FAQs

Does my client have to tell me they're applying?

No. You make the referral, they apply. You're notified when their deal funds and your commission is confirmed. The client relationship and the funding relationship are separate: you're the connector.

What if my client doesn't qualify?

Not every referral funds. Minimums: 500+ FICO, 6+ months in business, $4,000 to $6,000+/month in deposits. If they don't qualify now, we'll let you know what they need to qualify in the future. No commission on unfunded deals.

Do I need to disclose this to my clients?

Best practice is to disclose that you may receive a referral commission if they fund. Most clients appreciate the transparency and the solution: they're not paying more, the commission comes from T.A.G.'s margin.

Can I refer multiple clients?

Yes: unlimited referrals. Top partners refer multiple clients per month and earn meaningful recurring income from the program. There is no cap on commissions.

How do I track my referrals and commissions?

You get access to a partner portal where you can see every referral you've sent, their status, and your commission balance. Real-time visibility into every deal in your pipeline.

When Payroll Clients Need Working Capital: 6 Triggers
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Insufficient funds flag on a payroll run

When your system flags insufficient funds before a payroll run, that's your single most urgent referral signal. A working capital advance can solve this before payroll day: saving your client's employees and your client's business.

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Client delays payroll run or asks for a workaround

When a client asks to delay payroll by a day or two "until a check clears": that's not a cash management issue. That's a working capital gap. It will happen again next pay period without a capital solution.

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Client is growing headcount rapidly

Adding employees is expensive before new revenue arrives. A business growing its team by 20%+ in a quarter often needs working capital to bridge the gap between higher payroll costs and higher future revenue.

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Seasonal business entering their slow period

Restaurants, construction companies, retail stores, and hospitality businesses all face payroll obligations during slow revenue periods. A proactive capital referral before the slow season is better than a crisis call during it.

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Client switches to bi-weekly from semi-monthly (cash demand spikes)

Changing payroll frequency changes cash demand timing. The transition period often creates a short-term working capital gap that catches business owners off guard.

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Client asks about payroll tax deferral options

When clients ask about deferring payroll taxes, they're telling you they're cash-constrained. MCA can solve the underlying problem without creating IRS complications from deferred employment taxes.

Payroll Provider Referral Partner: Common Questions

Can T.A.G. fund a client fast enough to save a missed payroll?

T.A.G. can move quickly on complete files, but decision and funding timing are set by the funding provider after review, not guaranteed by a submission deadline. Contact T.A.G. directly to flag the urgency of a payroll deadline so the file can be prioritized.

What payroll platform data does T.A.G. use in underwriting?

T.A.G. does not use payroll platform data directly. Underwriting is based on business bank statements: the same data that shows your client's revenue deposits. You don't need to share payroll data with T.A.G. The client provides their own bank statements directly as part of their application.

Is there a conflict with any payroll financing products my platform offers?

Payroll financing (advance-on-payroll) and MCA are different products. Payroll financing is short-term (days) and advances the payroll float. MCA is longer-term (3 to 18 months) and provides general working capital: often used to permanently solve the cash flow gap that payroll financing only temporarily patches. The two products complement rather than compete.

Turn Payroll Crises Into Commissions

Sign up in 2 minutes. No W-9 until your first deal funds. Earn $150 to $5,000+ per funded deal. Your clients get a solution, you get paid.

T.A.G. Business Funding

See If Your Business Qualifies

500 FICO minimum. Bank declines OK. Revenue matters more than credit score. Decision timing is set by the funding provider after review.

Apply Now โ†’ Call 330-238-3003
โœ“ No obligation โœ“ Soft pull to start โœ“ Free to apply โœ“ Bank declines welcome

500 FICO minimum  ยท  $4K to $6K+/month revenue  ยท  Funding timing is set by the funding provider after review