Merchant Cash Advance Leads
MCA leads that answer the phone and actually want funding
Most merchant cash advance lists are recycled. The owner has been called nine times this week, the revenue figure is guesswork, and your closers burn a day dialling businesses that were never fundable. We work the other way round: we build the list to your funding box, make contact ourselves, and only hand over the merchants who confirm they want capital and can evidence the revenue behind it.
Pearl Lemon Leads USA runs outbound for funders, ISOs and brokers across all 50 states. Every merchant cash advance lead is produced by our own callers and emailers, qualified against your criteria, and passed over with notes on what the business said it needs the money for.
How we qualify a merchant before you ever see it
We agree the funding box with you before the first dial, then hold to it. Typical criteria we screen on:
- Monthly card or bank revenue, and how many months of statements the owner can actually produce
- Time in business, industry, and whether the vertical sits inside your appetite
- Existing advances, position stacking, and current payment obligations
- Amount sought and use of funds — inventory, payroll, equipment, expansion, tax bill
- Decision maker confirmed, plus a time they agreed to speak to a funding specialist
Merchants that fail your box get told honestly and dropped. You are not paying us to pad a spreadsheet.
Exclusive, aged and live transfer options
Funders buy leads differently, so we run three shapes:
Exclusive MCA leads
Generated for you alone and never resold. Highest intent, best close rates, and the option most brokers move to once they have compared their own numbers.
Aged MCA leads
Merchants who looked for funding previously and are worth revisiting. Cheaper per record, with the understanding that the conversation starts colder.
Live transfers and booked calls
Our caller qualifies the owner and either transfers the call to your desk while intent is hot, or books a slot directly into your team’s calendar with the qualification notes attached.
Declined bank loan applicants
A business turned down by its bank is often the best advance conversation you will have that week: the need is proven, the timeline is short, and the owner has already accepted that traditional credit is not available. We target these merchants specifically — recent declines, businesses with thin credit files, seasonal operators, and owners who need money in days rather than a six-week underwriting cycle.
What working with us looks like
Week one we build the target list and the script, agree disqualifiers, and set up reporting. From week two you get a steady flow of qualified merchants with call recordings or notes, plus a weekly review of what is closing and what is not, so we tighten the targeting as your data comes in. Campaigns are scoped and quoted per client based on the funding box, the states you want covered and the volume you can work — you get a firm number before anything starts, not an open-ended retainer.
Compliance and contact standards
We only contact business numbers, we honour do-not-call requests immediately, and we keep records of consent and contact history so your compliance team can audit any lead we send. If a merchant asks to be removed, they are removed from every campaign we run.
Frequently asked questions
Are your merchant cash advance leads exclusive?
Yes, when you buy exclusive. Those merchants are generated for your campaign only and are never sold to another funder. Aged leads are clearly labelled as previously contacted.
What revenue and time in business do you screen for?
Whatever your box requires. Common setups are $15,000 or more in monthly revenue with at least six months trading, but we will hold a tighter or looser filter if that is what your underwriting accepts.
Can you work declined bank loan applicants only?
Yes. We can run a campaign purely on businesses that have been declined for traditional credit, which usually produces shorter sales cycles and fewer price objections.
How fast can a campaign start?
Typically within a week of agreeing the funding box and the script. Live transfers usually start producing in the first full week of dialling.
How much do MCA leads cost?
Pricing depends on lead type, exclusivity and volume, so it is quoted per campaign. Book a call and we will price it against your funding box and your target cost per funded deal.
Talk to us about your funding box
Tell us the deals you want to fund and the states you cover, and we will tell you honestly whether we can produce that merchant at a price that works. Book a call or phone +1 650 278 4421.
