How to Buy MCA Leads: A Buyer's Guide
Buying merchant cash advance leads is a process, not a purchase. Set your filters, test small, call fast, and judge every order by what it costs you to fund a deal.
$929,000funded by one MCA funder from a single aged-lead order: 5 deals, including a $600,000 advance.Get MCA leads
Step 1 of 3Three quick steps. We reply the same business day.
To buy MCA leads, define a buy box (monthly revenue floor, time in business, credit range, advance amount, industries and states), choose real-time, aged or live transfer leads, run a small test order, deliver leads straight into your CRM, call within minutes, and measure cost per funded deal before you scale. LoanLeads.io sells all three, with published prices for real-time and aged leads and live transfers quoted per call.
What are the steps to buy MCA leads?
Buying MCA leads well takes eight steps, done in order. Skip one and the test order will tell you less than it should.
- Write your buy box. Set a monthly revenue floor, minimum time in business, credit score range, advance amount range, accepted industries and the states you fund or broker in.
- Pick a lead type. Choose real-time exclusive leads, aged leads or live transfers based on your team size and budget.
- Choose your price and volume. Compare published prices per lead or per record, pick an order size your team can work, and get a per-call quote if you want live transfers.
- Connect delivery. Send leads by API, webhook or posting into your CRM, or to an inbox, and fire a test lead before go-live.
- Run a test order. Buy enough leads to read contact and application rates without betting the month.
- Work every lead fast and on a cadence. Call within minutes, then follow a written multi-day touch plan.
- Track cost per funded deal. Tie each funded deal back to the lead order that produced it.
- Scale one change at a time. Raise volume, add a state or add a lead type, then measure again.
The rest of this guide covers each step in detail, with the questions you should answer before you spend.
How do you set an MCA buy box?
A buy box is the written set of rules a merchant must meet for you to want the lead. It protects your budget, because every lead outside it is money spent on a file you will decline.
Build it from your last 20 to 50 funded or submitted deals if you have them. Look at what the merchants who actually funded had in common, not what your funders say they accept on paper.
| Filter | What to decide | Why it matters |
|---|---|---|
| Monthly revenue | The lowest monthly deposits you can place | Revenue drives the advance size and whether any funder will look at the file. |
| Time in business | Minimum months operating | Many funders want a track record of deposits before they buy receivables. |
| Credit score range | The floor and, if useful, a ceiling | Credit affects which funders and products fit; a ceiling can keep you out of bank-loan territory. |
| Advance amount | The range you want merchants to request | A $15,000 request and a $250,000 request need different funders and different reps. |
| Industry | Industries you accept and exclude | Funders restrict some industries; buying them anyway creates dead files. |
| State | States you fund or broker in | Licensing, registration and disclosure rules differ by state, and so do your funder relationships. |
LoanLeads.io lets you filter on every item in that table: credit score range, advance amount, monthly revenue, time in business, industry and state. Tighter filters raise lead quality for your box and lower available volume, so start a little wider than your ideal and tighten after the test.
Which MCA lead type should you buy first?
Buy the lead type your team can actually work. A two-person shop with no dialer will waste live transfers; a full sales floor will burn through a small aged file in a morning.
| Lead type | What you get | Best for |
|---|---|---|
| Real-time exclusive leads | A merchant's inquiry, delivered the moment they submit, sold to you alone | Teams that can call within minutes and want the freshest intent |
| Aged MCA leads | Older inquiries at a lower price per record | Volume dialing, newer reps, testing scripts and budget-conscious shops |
| Live transfers | A merchant on the phone, transferred to your rep, priced per call | Closers who want a conversation now and cannot afford dial time |
Do not write off aged leads as leftovers. An MCA funder named Edward told us on a recorded review call that one aged-lead order produced five funded deals, 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." One buyer's result is not a forecast, but it shows that older inquiries still contain merchants who need capital.
Many buyers end up running two types at once: real-time leads for the closers and aged leads to keep newer reps dialing.
How should you run a test order?
A test order should answer one question: can your team turn these leads into funded deals at a cost you can live with? Design it so the answer is clear.
- Size it to be readable. Too few leads and one lucky deal skews everything. Pick a quantity your team can work fully through your whole cadence.
- Hold everything else steady. Use the same reps, script and follow-up plan you would use at scale. Changing three things at once hides what worked.
- Give it time to mature. MCA files move from first call to application to bank statements to offer to funding over days or weeks. Judge contact rate in the first week; judge funded rate after the full cadence has run.
- Log every outcome. Tag each lead as no contact, contacted, application, submitted, offer, funded or dead, with a reason.
LoanLeads.io lets buyers start with a small test order, check the numbers, then scale. Prices are published: real-time leads cost $60 exclusive or $35, $25 and $15 in shared slots, in packs of 150, 500 or 1,000 with 20% off 500 and 30% off 1,000, and aged records cost $0.20 to $1.00 by revenue tier and age, with a 5,000-record minimum. Live transfers are quoted per call. The MCA lead pricing page has the full tables.
How do you set up CRM delivery for MCA leads?
Leads should land in your CRM the second they are generated, with every field mapped. A lead that sits in an email for 40 minutes has already lost most of its edge.
LoanLeads.io delivers in real time by API, webhook or posting straight into your CRM, or to an inbox if you are not set up for a direct integration yet. Before go-live, work through this checklist:
- Map every field: business name, contact name, phone, email, monthly revenue, time in business, credit range, amount requested, industry, state, and the consent and timestamp data.
- Send a test lead and confirm it creates a record, assigns an owner and triggers your first text or email.
- Set routing rules, such as round-robin by rep or by state, so no lead waits for someone to claim it.
- Turn on a push or desktop alert for new leads so reps see them instantly.
- Tag the lead source and order number so funded deals can be traced back later.
How fast should you call a new MCA lead?
Call within five minutes if you can, and within the hour at the latest. Research published in Harvard Business Review in 2011 audited 2,241 US companies and reported that firms that responded to online leads within an hour were nearly seven times as likely to have a meaningful conversation with a decision maker as firms that waited longer.
Speed matters even more with real-time MCA leads, because a merchant who fills out a form is often comparing options that same day. After the first call, follow a written cadence of calls, texts and emails across roughly 30 days. Our MCA conversion playbook lays out a day-by-day schedule and first-call script.
Speed never overrides the rules. Federal TCPA rules bar telephone solicitations to residential numbers before 8 a.m. or after 9 p.m. in the called party's local time, and some states set tighter windows. Confirm current rules with counsel.
How do you track cost per funded deal?
Cost per funded deal is total lead spend for an order divided by the number of deals funded from it. It is the only number that lets you compare a cheap aged order with a pricier real-time order fairly.
Here is a hypothetical example to show the math, not a quote. Suppose you spend $3,000 on an order and fund two deals from it. Your cost per funded deal is $1,500. If your average commission or margin per deal is well above that, the order worked. If a second order cost $1,200 and funded one deal, its cost per funded deal is $1,200, which is better even though it funded fewer deals.
Track these numbers for every order, split by lead type, state and industry:
- Contact rate: leads reached by phone divided by leads bought
- Application rate: completed applications divided by leads bought
- Submission rate: files sent to a funder divided by applications
- Funded rate: funded deals divided by leads bought
- Cost per funded deal and revenue per funded deal
When should you scale an MCA lead order?
Scale when a test order hits your target cost per funded deal and your team still has capacity. Scaling a campaign your reps cannot keep up with only lowers your contact rate.
Change one variable per order: raise the volume, open a new state, add an industry or add a second lead type. Then read the numbers again. Edward, the funder mentioned above, was already talking about a next order of about 15,000 aged leads after his first order funded five deals. That is what scaling on evidence looks like.
Ready to set up a test? Book a call to talk through your buy box, or apply as a buyer to get started. You can also reach us at (647) 709-5026.
Sources
Buyers 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.”
Questions buyers ask
How many MCA leads should I buy in my first order?
Buy as many as your team can work completely through your full follow-up cadence, and enough that one lucky deal does not decide the result. The right number depends on your headcount, your dialer and your budget. Talk through your capacity with us and we will help you size a test order that gives you readable numbers.
Are exclusive MCA leads worth the higher price?
Often, if you can call fast. A real-time exclusive lead goes to you alone, so you are not racing other buyers to the merchant. If your team cannot respond within minutes, the extra cost buys less. Aged leads cost less per record and can still fund deals, as our client Edward found with one aged order.
What filters should I set when buying MCA leads?
Start with monthly revenue, time in business, credit score range, advance amount, industry and state. Those six filters decide whether a merchant fits your funders. LoanLeads.io supports all of them. Begin slightly wider than your ideal box, then tighten based on which leads actually funded during your test order.
Can MCA leads be delivered straight into my CRM?
Yes. LoanLeads.io delivers leads in real time by API, webhook or posting into your CRM, or to an inbox if you prefer. Map every field, send a test lead before launch, and set routing rules so each new lead reaches a rep immediately rather than waiting in a queue.
How long does it take to know if an MCA lead order worked?
You can read contact rate within the first week. Application and submission rates take a bit longer. Funded results take the longest because MCA deals move through bank statement review, offers and contracts. Judge the order after your full follow-up cadence has run, which for many shops is about 30 days.
Is a merchant cash advance lead the same as a business loan lead?
Not quite. A merchant cash advance is a purchase of a business's future receivables, not a loan, and it is underwritten mainly on deposits and revenue. Business loan leads are for term loans, lines of credit and similar products. Some merchants fit both, which is why many shops also buy business loan leads.
Do I need to scrub MCA leads against Do Not Call lists?
Ask counsel how the rules apply to your calls. The FTC's Telemarketing Sales Rule requires covered telemarketers to use a version of the National Do Not Call Registry no more than 31 days old, and you must honor internal do-not-call requests. Consent on the lead form is a separate question from DNC status.
What does it cost to buy MCA leads from LoanLeads.io?
Real-time leads cost $60 exclusive, or $35, $25 and $15 in shared slots, in packs of 150, 500 or 1,000 with 20% and 30% volume discounts. Aged records cost $0.20 to $1.00 each by revenue tier and age, with a 5,000-record minimum. A 4% processing fee applies and orders are paid upfront at /order/. Live transfers are quoted per call: book a call or phone (647) 709-5026.
Should I buy MCA leads by state?
Yes, if you only fund or broker in certain states, or if your funders have state restrictions. State filters keep you from paying for merchants you cannot place. Some states also have commercial financing disclosure or registration laws, so state targeting helps your compliance planning as well as your budget.
Ready to see what your buy box funds?
Tell us your filters and volume. We will quote real-time, aged and live-transfer options and set up a test order.
