How to Sell Business Loan and MCA Leads
How to sell business loan and MCA leads to brokers, ISOs, funders and banks. Qualify the business, sign funded buyers first, and tie your returns to the same facts.
Most of the 45 business loan and MCA companies in our directory sell exclusive real-time leads, and about half also sell live transfers and aged leads. Sellers screen the business, not the person.
Capture monthly revenue, time in business, requested amount, credit range, industry and urgency, and agree each funder's floors before the first lead. Funders credit invalid contacts, duplicates and leads under those floors, not merchants who decline.
Sign funders first, have each fund a balance, and write the return policy before the first lead. Let several funders bid on each lead, and keep a marketplace ready for the leads nobody takes.
Who buys business loan and MCA leads
Business funding sites name brokers and ISOs, direct funders, banks and SBA lenders as buyers, plus funders and networks that buy from affiliates.
| Buyer | What they buy | What to know |
|---|---|---|
| MCA brokers and ISOs | Exclusive real-time leads and live transfers from merchants above a revenue and time in business floor who need money soon. | Several sellers vet brokers first, by license number, team size or an established CRM. Agree floors in writing, have each broker fund a balance, and expect transfers billed only after a buffer. |
| Direct funders and lending teams | Applications with requested amount, use of funds and, from a few sellers, recent bank statements. | Funders judge the file, so deliver the fields they underwrite on and say which answers are self-reported. Tie credits to stated revenue or time in business below the floor. |
| Banks, credit unions and SBA lenders | SBA, equipment and term loan borrowers screened for time in business, revenue, credit and loan size. | One seller serving these buyers sets prepaid balances and minimums in a service agreement and replaces a lead that misses the agreed criteria, but not one whose owner declines. |
| Funders and networks that buy from affiliates | Qualified leads, calls and full applications from affiliates, publishers, ISOs and consultants. | Sixteen companies here buy. One pays per qualified lead whether or not it funds, or a revenue share on funded deals. Keep a source sub ID on every lead. |
The business loan and MCA lead buyer directory lists every company we found that publicly buys or sells business loan and MCA leads, with what each one says it does. It is a research starting point, with no contact details.
What you are selling
What the 45 business loan and MCA lead companies in our directory say they offer:
| Product | Companies offering it |
|---|---|
| Exclusive leads | 33 of 45 |
| Real-time leads | 35 of 45 |
| Shared leads | 10 of 45 |
| Aged leads | 19 of 45 |
| Inbound calls | 12 of 45 |
| Live transfers | 26 of 45 |
| Booked appointments | 7 of 45 |
| Data or lists | 11 of 45 |
| Clicks | 2 of 45 |
Counts cover everything each company says it sells, which can include other verticals.
Start with exclusive real-time web leads, which 33 of the 45 companies sell, and keep aged leads as an overflow product. Live transfers are common, at 26 companies, but Juiced distributes web leads, so transfers need separate call tracking.
What to capture and screen for
- Monthly revenue or average bank deposits.
- Time in business, as a start date or band.
- Requested amount and use of funds.
- Self-reported credit range, labeled as self-reported.
- Industry, which funders filter on.
- How soon the merchant needs the money, and whether they have a business bank account.
- Whether the person is the owner or an authorized signer.
- A consent record and a source sub ID on every lead.
The field-by-field version is on the business loan and MCA lead distribution page.
Building it, in order
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Sign funders before you build traffic
Find buyers first. Get each funder's states, industries, revenue and time in business floors, credit floor, amount range and how many leads it can take a week. Expect to be vetted in return, since several sellers here vet their own buyers.
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Get every funder to fund a balance
No free sample leads, no promised number of merchants by a date and no invoices. One company here refuses free trials and another refuses small tests. In Juiced the funder funds a wallet before leads arrive and is charged as each lead is delivered.
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Write the return policy before the first lead
Credit invalid contact details, duplicates, and stated revenue or time in business below the agreed floor. Say in writing that a merchant who declines or is not funded does not qualify, as three companies here do.
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Set expectations on the first call
Tell each funder how fast to call and how many times. One seller here says transfers should be answered within seconds. A funder who calls late will blame the leads.
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Build the lead type around the business
Make state, requested_amount, monthly_revenue, business_start_date and industry required for ping, so funders can decide before they see who the business is. Keep the business name, contact fields and consent record for the post.
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Generate only where a funded buyer is waiting
Point traffic at the states, industries and revenue bands your funded buyers take. A merchant below every funder's revenue floor has nowhere to go.
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Let several funders bid on each lead
Rather than a flat price to one broker, let every funder whose filters match bid above your minimum. The highest bid wins the lead in seconds, and each lead still goes to one buyer.
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Have overflow ready
Unsold leads are the biggest avoidable cost. Leads nobody takes go to your own marketplace, where the price falls until someone buys with Buy Now or a standing Buy Order.
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Record the source on every lead
Store a source sub ID on each lead. When a funder reports dead numbers or merchants under the floor, it shows which source sent them.
What makes business loan and MCA different
- Leads are qualified on the business: 18 companies screen revenue or deposits and 16 screen time in business.
- A few sellers deliver the merchant's application with recent bank statements attached.
- Aged leads are a big product: 19 of the 45 sell them, and two sell UCC filing data.
- Four companies bar buyers from reselling leads, one unless the seller agrees in writing.
- Sellers vet buyers: five check a license number, team size, an established CRM or a lender relationship.
- Returns follow the screens: a few credit leads whose stated revenue or time in business falls under the floor.
Common mistakes
- Buying traffic before a funder whose floors match has funded a balance.
- Sending a merchant under a funder's revenue or time in business floor because those fields were not required for ping.
- Giving free sample leads, which teaches funders to wait instead of fund.
- Letting a funder return a merchant who declined or was not funded, because the policy was not written down.
- Selling every lead to one broker at a flat price when several funders would bid.
- Mixing UCC data or aged leads into a feed sold as fresh and exclusive.
- Leaving out a source sub ID, so there is no way to find the source sending dead numbers.
Related
- Business loan and MCA lead buyers and sellers: every company in this market, checked against its own website
- Business loan and MCA lead distribution: the fields, screens and routing for this market
- Lending and financial lead distribution: the wider vertical
- Pay-per-lead vs. pay-per-call: why selling records is simpler than selling live calls
Frequently asked
Who buys business loan and MCA leads?
MCA brokers and ISOs, direct funders and lending teams, and banks, credit unions and SBA lenders. Funders and networks also buy from affiliates, publishers and ISOs.
Should I sell MCA leads exclusive or shared?
Start exclusive. Thirty-three of the 45 companies offer exclusive leads. Letting several funders bid on each lead gets a competitive price while the lead still goes to one buyer.
What should a business funding lead include?
Monthly revenue, time in business, requested amount and use of funds, a credit range, industry, urgency and whether the person is the owner, plus a consent record and a source sub ID.
Do I need bank statements to sell MCA leads?
No, but a few sellers deliver them with the application, and one funder that buys from partners requires them for its revenue share program. Leads with statements are a different product from a short form.
Can I sell live transfers through Juiced?
Juiced distributes web leads. Twenty-six of the 45 companies sell live transfers, and those need separate call tracking.
What return policy do funders expect?
Credit for invalid contact details, duplicates and leads under the agreed floors, often as a replacement rather than a refund. Aged leads are often sold without returns.
What do business loan and MCA leads sell for?
No prices are published here. Sellers rarely publish them, and what a business loan and MCA lead sells for depends on whether it is exclusive or shared, a web lead or a call, the geography, how fresh it is and how many buyers want it. The pay-per-lead pricing guide shows how to work out your own floor from cost and let buyers bid above it.
Does Juiced handle business loan and MCA calls or live transfers?
No. Juiced distributes web leads and delivers them by webhook, email or text. It does not track or route phone calls, so if calls are part of your product you need call tracking software for that side.
Selling business loan and MCA leads to more than one buyer?
Juiced is lead distribution software for companies that sell leads. Buyers fund a wallet and bid above your minimum, each lead goes to the highest bid in seconds, and leads that miss their first buyer go to your own marketplace instead of being lost.
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