Business loan leadsBusiness Loan Leads for Lenders, Funders and Brokers
Reach small business owners who just asked for capital. Set your revenue, credit and time-in-business filters, choose real-time, aged or live transfer, and test before you scale.
$929,000funded by one MCA funder from a single aged-lead order: 5 deals, including a $600,000 advance.Get a lead quote
Step 1 of 3Three quick steps. We reply the same business day.
LoanLeads.io sells business loan leads to term lenders, line of credit providers, equipment finance companies, MCA funders and brokers. Each lead is a small business owner who requested funding and gave TCPA consent to be contacted. Buyers filter by revenue, time in business, credit range, amount, industry and state, then receive real-time, aged or live transfer leads in their CRM, starting with a small test order.
Who buys business loan leads from LoanLeads.io?
Business loan leads are bought by any company that funds or arranges small business capital and needs owners who asked for it this week, not a cold list. On LoanLeads.io the buyer side is made up of direct lenders, funders, and the brokers and ISOs who place deals with them. Each one sets different filters because each one underwrites differently.
| Buyer type | What they fund or arrange | Filters they usually set first |
|---|---|---|
| Term loan lenders | Fixed-payment loans for expansion, hiring or refinancing | Time in business, annual revenue, credit range |
| Line of credit providers | Revolving working capital | Monthly revenue, credit range, industry |
| Equipment finance companies | Loans and leases secured by the equipment | Funding purpose, requested amount, industry |
| MCA funders | Purchases of future receivables, repaid from sales | Monthly revenue, time in business, state |
| ISOs and commercial brokers | Deals placed across a panel of lenders and funders | Broad revenue and credit bands, state, lead type |
| SBA lenders and packagers | Government-guaranteed loans with longer approval cycles | Time in business, credit range, funding purpose |
If you place deals with several capital sources, you can buy wider bands and sort the file yourself. If you fund on your own paper, tight filters cost more per record but waste fewer dials. Brokers who send most of their volume to revenue-based products should read the guide to MCA leads for ISOs before choosing a filter set.
What does a business loan lead contain?
A business loan lead is a single owner's funding request plus the consent record that lets you contact them. The exact field list is set per campaign, so confirm it in writing before your first order. A typical web-form lead includes the fields below.
| Field | Why it matters to underwriting or sales |
|---|---|
| Owner name, phone, email | Who you call, text and email first |
| Business name and state | Licensing, state disclosure rules and territory routing |
| Industry | Screens out industries your credit policy will not touch |
| Time in business | Separates startups from seasoned operators |
| Monthly or annual revenue | Sizes the offer and shows capacity to repay |
| Amount requested and use of funds | Points you to a term loan, line, equipment deal or advance |
| Self-reported credit range | A first sort before you pull credit |
| Consent details | Timestamp and the disclosure language the owner agreed to |
Treat revenue, credit and time in business as the owner's own answers. They are a starting point for your conversation, not verified bank data. Your application and bank statements confirm the numbers. Ask for the consent record format in advance so it lands in your CRM next to the lead and stays there for as long as your counsel says to keep it.
Real-time, aged or live transfer: which lead type fits your team?
Pick the lead type that matches how your team sells. A desk of closers who dial within minutes wants real-time leads. A lean team with strong email and text follow-up can get more from aged leads. A team that hates chasing voicemail prefers live transfers.
| Real-time exclusive | Aged | Live transfer | |
|---|---|---|---|
| When you receive it | The moment the owner submits | Days to months after the inquiry | While the owner is on the phone |
| Price per record | Highest of the three web lead types | Lowest per record | Priced per call, quoted per campaign |
| Sales motion | Call within minutes, then text and email | Volume dialing, text and email sequences | Qualify and quote on the first call |
| Best for | Teams with fast speed to lead | Teams that work a list for weeks | Closers who want conversations, not lists |
Aged leads are often written off as leftovers. One LoanLeads.io client, an MCA funder named Edward, said on a recorded review call that he funded five deals from one aged-lead order, including a $600,000 deal and a $52,000 deal, for just shy of $1 million funded. In his words:
Yeah, I'm really impressed with the aged.
That is one buyer's result, not a forecast for yours. It does show that an owner who asked for capital months ago may still need it today. Read more about aged MCA leads if your desk also places advances.
How do ordering and delivery work?
You order business loan leads by agreeing a filter set, a delivery method and a test size, then scaling once the numbers make sense. The process runs in six steps.
- Apply or book a call. Use the buyer application or call (647) 709-5026. Tell us what you fund, your minimums and the states you serve.
- Set your filters. Choose revenue floor, time in business, credit band, requested amount, industries to exclude and states.
- Pick a lead type. Real-time, aged, live transfer or a mix.
- Connect delivery. Leads post to your CRM by API, webhook or posting URL, or land in an inbox. We send a test lead so you can check field mapping before anything is billed.
- Run a small test order. Work every lead the same way you would at full volume so the test is fair.
- Review and scale. Compare contact rate, applications, approvals and funded volume against your cost, then widen or tighten filters.
Two habits decide most tests. First, route each real-time lead to one named rep so no lead sits unassigned. Second, dedupe against your own CRM on arrival, because an owner who applied with you last year may show up again.
Business loan or merchant cash advance: where should the lead go?
Many owners who ask for a business loan are a better fit for a merchant cash advance, and many are not. Routing each lead to the right product is where brokers make or lose money on a business loan file.
A merchant cash advance is not a loan. The funder buys a share of the business's future receivables at a discount and is repaid as sales come in. There is usually no fixed term, and the agreement is priced with a factor rate rather than an interest rate. Underwriting leans on recent bank deposits more than on personal credit, so an owner with strong sales and a thin credit file may qualify for an advance before a bank loan.
A practical routing rule many desks use:
- Two or more years in business, solid credit, planned purchase: start with a term loan, SBA or equipment quote.
- Steady deposits, urgent need, fair or thin credit: start with an advance quote.
- Owner unsure: quote both and explain the cost difference in plain terms.
Merchant cash advance is the main LoanLeads.io offer. If most of your book is advances, buy from the MCA lead program directly. Compare delivery options on the real-time MCA leads page.
Compliance notes for commercial lead buyers
Commercial funding is lighter-touch than consumer lending, but it is not unregulated. This is a plain-English overview as of 2026, not legal advice. Confirm current rules with your own counsel before you buy or work leads.
- TCPA. The Telephone Consumer Protection Act limits autodialed and prerecorded calls and texts to mobile numbers without prior express consent, and business owners often list a mobile number. Each LoanLeads.io lead carries a TCPA consent record. FCC rules that took effect on April 11, 2025 let a person revoke consent by any reasonable means and require you to honor the request within 10 business days, so your opt-out handling matters as much as the original consent.
- State commercial financing disclosure laws. Several states now require cost disclosures on commercial financing offers below set dollar thresholds. California's rules took effect on December 9, 2022 and New York's compliance date was August 1, 2023. Coverage, thresholds and who must deliver the disclosure differ by state.
- California licensing. California enacted AB 2116 in September 2026. As reported, it requires commercial financing providers and brokers to be licensed by the DFPI from January 1, 2028, and it reaches merchant cash advances. Brokers and lead buyers selling into California should review it with counsel well ahead of that date.
Our consent capture and publisher vetting process is explained on the TCPA consent and privacy page.
Business loan leads: the full guide
Business Loan Leads That Drive Real Results
Connect with Business Owners Actively Seeking Funding
At LoanLeads.io, we deliver real-time, high-intent business loan leads from entrepreneurs and small business owners actively searching for capital. Whether you offer SBA loans, lines of credit, working capital, or merchant cash advances (MCA), our lead marketplace connects you directly with the borrowers who need your solution now.
Why Lenders Choose Our Business Loan Leads
🚀 Why Lenders Choose Our Business Loan Leads
We’re not here to send you volume that doesn’t convert. Our entire system is built to generate qualified leads based on your underwriting filters, then deliver them instantly to your team for follow-up.
✅ Filter by industry, revenue, time in business, and loan amount
✅ Real-time delivery to your CRM or inbox
✅ Form fills, live transfers, or call-generated leads available
✅ Exclusive or shared lead options
✅ Fully TCPA, CCPA, and CAN-SPAM compliant
We source our leads through a network of verified performance marketers running targeted campaigns across search, social, native, and call channels — all optimized to attract serious borrowers ready to apply.
Get Started With Us
Secure, Compliant, and Trustworthy
Data security and compliance are at the core of our operations. LoanLeads.io adheres to strict industry standards, ensuring that all leads are handled with care and confidentiality. Our platform provides a secure environment, allowing you to focus on offering support without concerns about data breaches or non-compliance.
Lead Types We Offer
Choose the lead type that best suits your sales operation:
📝 Web Form Leads – Real-time submissions from business owners seeking funding.
☎️ Live Transfers – Pre-qualified and warm prospects connected directly to your team.
🕒 Aged Leads – Lower-cost, previously verified leads for email/SMS nurturing or remarketing.
Lead Filters You Control
We understand every lender has different criteria. That’s why we let you set your own filters to ensure only the most qualified borrowers reach your team.
Customizable filters include: Monthly or annual revenue, Time in business, Business industry/type, Funding purpose, Requested loan amount, FICO score (if applicable), State or geographic region, Preferred contact method (form or phone)
Why Choose LoanLeads.io?
In the world of debt relief, making meaningful connections is crucial. LoanLeads.io helps you do just that, with a focus on quality, reliability, and innovation. Here’s what makes us your ideal choice for business financing leads:
Diverse Lead Categories Across Multiple Financial Needs
Our platform isn’t limited to one type of service; it provides leads across various loan categories, including business financing leads, personal loans leads, merchant cash advances leads, and mortgage loans leads. This diversity allows you to expand your offerings and grow your business across different sectors.
Focus on Quality for Better Outcomes
LoanLeads.io emphasizes quality over quantity. Our business financing leads go through a stringent verification process to ensure that they are reliable and ready to convert. By focusing on high-quality leads, we help you improve your ROI and build a client base of individuals genuinely seeking financial relief.
Reliable Network of Lead Providers
We have established a strong network of trusted lead providers, ensuring that the business financing leads you to receive are pre-vetted and pre-qualified. Whether you’re looking to buy leads or sell leads through our affiliate program, our network simplifies the process and increases your chances of success.
Flexible Payment Options for Affiliates
Our platform offers various payout methods, providing affiliates with the flexibility to choose the option that best suits their needs. LoanLeads.io ensures timely and reliable payments, making it easy for you to focus on lead generation without financial disruptions.
Advanced Technology to Optimize Performance
Stay ahead of the competition with our state-of-the-art platform. LoanLeads.io provides real-time tracking and performance insights, allowing you to optimize your campaigns for better results. Our intuitive interface ensures easy management, helping you monitor leads, make data-driven decisions, and maximize your success.
Explore Our Lead Categories
Reach Clients Across Multiple Loan Services
Mortgage Loans
Refi, FHA, Reverse, and Purchase
Personal & Payday Loans
Loans & same-day cash advances
Merchant Cash Advances
Fast funding for businesses
Debt Relief & Turndowns
Monetize declined loan applicants
Benefits for Affiliates
Effective lead generation requires more than just data; it demands the right tools and strategies. LoanLeads.io provides affiliates with everything they need to succeed:
Earn High Commissions with Quality Leads
Join our affiliate program and earn top commissions for business financing leads. Our system is designed to help you maximize earnings through optimized campaigns, real-time tracking, and insightful data analysis.
User-Friendly Dashboard for Easy Management
Our platform offers a user-friendly dashboard that makes it easy to manage campaigns. With features like real-time tracking and performance insights, you can adjust your strategies on the fly, ensuring better results and higher earnings.
Reliable, Timely Payouts
We prioritize smooth financial operations for our affiliates, offering regular payouts with flexible methods. LoanLeads.io ensures that you can focus on generating leads and growing your business without financial worries.
Detailed Reporting for Better Insights
Our advanced tracking and reporting system allows you to monitor the performance of your campaigns. Identify trends, adjust strategies, and maximize ROI with ease using the data insights provided by LoanLeads.io.
Benefits for Lenders
Lenders require more than just a list of contacts—they need clients who are ready to take action. LoanLeads.io helps you connect with the clients:
Verified and Ready-to-Engage Leads
Our business financing leads go through a rigorous verification process to ensure quality. Connect with individuals who are actively seeking debt relief and increase your chances of conversion with high-quality leads.
Broaden Your Services with Multiple Lead Categories
Whether you’re looking to buy business financing leads, or explore opportunities in mortgage loans leads, personal loans leads, or merchant cash advances leads, LoanLeads.io has you covered. Our diverse categories allow you to expand your services and grow your client base.
Customized Lead Generation to Meet Your Goals
We align our lead generation efforts with your business goals, ensuring that you receive leads that fit your specific criteria. Our tailored approach means you get exactly what you need, making the entire process efficient and effective.
Dedicated Support and Seamless Platform Navigation
From easy-to-use features to knowledgeable account managers, LoanLeads.io provides comprehensive support to ensure your success. Our team is always available to help you navigate the platform and optimize your results.
Get Started with LoanLeads.io
Whether you’re an affiliate looking to earn commissions or a lender seeking to expand your client base, LoanLeads.io has everything you need. With our mortgage lead generation expertise, buy mortgage leads today and see how we can help your business grow. Our platform is designed to provide you with the tools, resources, and support you need to succeed in the competitive world of loan lead generation.
Join as Affiliate
Sources
- FCC, 47 CFR 64.1200 (TCPA rules), eCFR
- Kelley Drye, FCC sets effective date for TCPA consent revocation rules
- Orrick, What commercial finance companies need to know about new commercial financing disclosure rules
- Consumer Finance Monitor, California enacts sweeping new regulation of commercial financing (AB 2116)
Client resultsBuyers who came back for more
Two real LoanLeads.io buyers, in their own words.
“Yeah, I'm really impressed with the aged.”
“My team is very happy with your leads. So that's why I want to personally call and inform you that. We'll do the same mix, 50-50, but we'll just double the volume. I'm happy. My team is happy. They don't complain about leads.”
FAQQuestions buyers ask
Are business loan leads exclusive?
Real-time leads can be bought exclusive, so the owner's request goes to your team alone. Aged files are a separate, cheaper product built from earlier requests. Live transfers connect one owner to one buyer on a live call. Tell us which you want when you set up the campaign, and the terms are written into your order before anything is delivered.
How fast should I call a real-time business loan lead?
Call within minutes if you can. The owner just filled out a funding request and is often comparing several options at once. Send a short text and email right after your first call attempt, then keep a schedule of follow-ups for the next several days. Teams with slower response times usually get better value from aged leads or live transfers.
Can I filter out industries my credit policy will not fund?
Yes. Industry is one of the standard filters, along with monthly or annual revenue, time in business, requested amount, credit range and state. Send us your restricted-industry list during setup. Leads outside your filters are not delivered to you, so you do not pay for owners your underwriting would decline on day one.
Will every lead turn into an approval or a funded deal?
No. LoanLeads.io delivers owners who asked for capital and agreed to be contacted. Whether a deal funds depends on your underwriting, your offer and how quickly your team follows up. That is why every new buyer starts with a small test order and judges it on real contact, application and funded numbers before scaling.
What does a business loan lead cost?
Pricing is quoted per campaign, either cost per lead or pay per call for live transfers. The price depends on the lead type, how tight your filters are, exclusivity and the states you buy. Fresh exclusive requests sit at the top of the range and older inquiries at the bottom. Book a call to get a quote for your exact filter set.
Can business loan leads go straight into my CRM?
Yes. Leads can post in real time to your CRM by API, webhook or posting URL, or arrive by email if you do not use a CRM yet. We send a test lead first so you can confirm every field maps to the right place, including the consent details, before your paid order starts.
Should I buy business loan leads or MCA leads?
Buy the leads that match what you actually fund. If you mostly place term loans, lines and equipment deals, business loan leads fit. If most of your volume is merchant cash advances, buy MCA leads, since they are built around revenue and deposit filters. Many brokers buy both and route each owner by need.
How many leads should a first test order include?
Enough that one good or bad day does not decide the result. The right size depends on your team and how many leads each rep can work properly in a week. Agree the size with us on your setup call, work every lead with the same follow-up plan, and judge the test on funded volume against total cost.
Ready to buy business loan leads?
Tell us your filters and volume. We will quote real-time, aged and transfer options and set up a test order.