Batch Capital for Bookkeepers: You Reconcile the Account. You Know When It Runs Short.

Nobody sees a tight month sooner than the person who closes the books. Point that client to a desk that can fund in days.

Become a Referral Partner

Bookkeepers

Same day
File read by a person
$5,000 to $2M
Funding range
6
Product lines, one desk
Written
Partner agreement
Why your clients need funding

The Shortfall Shows Up in Your Reconciliation First.

Three signals a bookkeeper sees weeks before the owner calls a lender.

Negative days and overdraft fees

The bank feed shows the account dipping below zero on the same days each month.

Vendor bills slipping past terms

Payables are aging past 30 days and suppliers are starting to ask for cash on delivery.

Payroll weeks that do not clear clean

Two payrolls land in a slow month and the owner moves money from a personal account to cover them.
How the referral works

One Introduction. A Same-Day Answer.

01

Introduce the client

With the client's consent, send the bank statements you already reconcile. That is most of the file.

02

Matt reads the file same day

A person reads the statements the day they arrive and calls the client with a straight answer.

03

Offers across every product

Term, SBA, line, equipment and advance options side by side, each with its true cost shown.

04

You are paid when it funds

Paid on every file that funds, under a written partner agreement, with a written disclosure you can hand the client.

Become a Referral Partner
Every line of credit

One Desk for Every Kind of Funding.

Term loans, SBA loans, lines of credit, equipment financing and advances, matched to what the business actually needs.

Term loans

Up to $5,000,000 through our bank partners, fixed payments over up to 12 years, from 8.77% APR.

SBA loans

SBA 7(a) and 504 loans up to $5,000,000 for expansion, real estate and buying a business, over 5 to 25 years.

Lines of credit

Draw what you need when you need it, and pay interest only on what is outstanding.

Equipment financing

Trucks, machines and buildouts, financed against the equipment itself over 2 to 7 years.

Working capital advances

Funded by us with our own capital, as fast as same day, repaid from card sales or a fixed transfer.

Consolidation and refinancing

Roll existing advances or high-cost debt into one structure the business can carry.
The rules for your profession

No License Rule. Disclosure Anyway.

New Jersey and New York do not license bookkeepers, so the rules that bind depend on what else you hold.

  • Neither state has a bookkeeper licensing board or a bookkeeper rule on referral fees.
  • If you are also a CPA, the CPA rules apply: no fee on an attest client, written disclosure on every other (N.J.A.C. 13:29-3.12; 8 NYCRR 29.10).
  • If you are an enrolled agent representing the client before the IRS, a personal interest in the referral needs the client's informed written consent (31 CFR 10.29).
  • We provide a written disclosure of any referral fee so you can give it to your client. Telling the client is good practice even where no rule demands it.

Sources

A summary for orientation, not legal advice. Your licensing board and counsel have the final word.

Commonly Asked Questions

A bookkeeper referral partner introduces a client whose books show a cash shortfall to Batch Capital, which funds advances itself and places term, line and equipment financing with its lending partners.

Can a bookkeeper be paid for referring a client to a lender?
In New Jersey and New York, yes. Neither state licenses bookkeepers or has a bookkeeper rule on referral fees. If you also hold a CPA license or are an enrolled agent, those rules apply on top, and we follow them with you.
Do I have to tell my client I am paid for the referral?
No bookkeeper rule requires it, and we recommend it anyway. We provide a written disclosure of any referral fee so you can give it to your client, which protects the relationship you depend on.
Can I send the bank statements I already have?
Yes, with the client's consent. Three months of business bank statements are most of the file. We still need a short application, a voided check and a government ID from the client.
What signals in the books mean a client should call you?
Recurring negative balance days, overdraft fees, payables aging past 30 days, and payroll covered by transfers from the owner. Each one is a gap a line of credit or an advance can close before it costs the business a vendor or an employee.
How fast does the client hear back?
Matt reads the statements the day they arrive. Decisions can come in 24 hours, and an advance we fund ourselves can land as fast as the same day.
Referral partners

Send Us the Statements. We Will Answer Today.

One introduction, a same-day read on the file, and offers across every product the client qualifies for.

Become a Referral PartnerCall +1 (201) 862-4048
Matt Curran
Reviewed byMatt CurranDirector of Batch Capital
Last updated

This page is general information, not financial, legal or tax advice. Talk to your accountant or attorney about your own situation.

Become a referral partner