Good client, timing problem
The client has real customers, invoices, purchase orders, or growth demand, but cash-flow timing is creating pressure before the traditional path can respond.
For bankers and referral partners
Your client needs another option. Let’s compare notes.
If you are a banker, lender, CPA, or advisor helping a business client, I would be glad to hear what you are working through. We can consider factoring, receivables financing, purchase order financing, or a local lender connection while keeping your client relationship in mind.
When this helps
Useful when the client needs direction, not pressure.
Credit box does not fit today
A bank relationship may still matter, but the current request may not fit underwriting, collateral, timing, or documentation requirements.
The client needs direction
Sometimes the best referral is not a funding product. It is a practical comparison of factoring, receivables, PO financing, lender connection, or no funding yet.
Relationship value matters
The handoff should protect trust, avoid overpromising, and keep the professional who made the introduction informed when appropriate.
Making an introduction
How a referral conversation should work.
You have earned your client’s trust. Tell me what the business needs and how you would like me to be involved. We can agree on the next step from there.
- Frame the client situationShare the business type, customer base, location, timing issue, amount needed, and what has already been tried.
- Identify the available documentsClarify whether invoices, receivables, purchase orders, contracts, statements, or lender context are available for review later.
- Compare practical pathsDetermine whether the next conversation should be factoring, invoice funding, PO financing, local lender connection, or another working-capital review.
- Keep expectations cleanA referral does not imply funding approval, pricing, timing, or a commitment. It simply creates a professional next conversation.
What to send first
Enough detail for a useful first review.
Business name, city, state, industry, and operating area.
What the client is trying to solve and how soon the timing pressure matters.
Approximate amount requested and whether the need is tied to invoices, receivables, POs, contracts, payroll, vendors, growth, or equipment.
Current bank/lender relationship, lien context, recent decline/delay, or other information that affects the handoff.
Whether Jim should contact the owner directly or first compare notes with the referral partner.
Respecting the relationship
Clear boundaries protect everyone involved.
No hard sales, public pressure, or engagement bait.
No guarantee of funding, approval, pricing, timing, lender acceptance, income, or outcome.
No sensitive documents should be sent until the proper review path is clear.
Business-sensitive, credit-sensitive, or compliance-sensitive details should be handled carefully and privately.
The goal is to preserve the relationship while helping the business owner find a useful next step.
Start a referral conversation
Send the client situation and the best next contact step.
Start with a short note about the client’s business, the need, and what has already been considered. Let me know whether you would like to speak first or discuss an introduction to the owner.