MCA leads: business owners researching fast funding
Owners who need cash fast read before they fill in a form: how quickly an advance funds, what a factor rate costs them, whether a line of credit would be cheaper. These are the business people researching merchant cash advances and quick funding right now.
What are MCA leads?
MCA leads are business owners who may take a merchant cash advance, a lump sum paid now for a share of their future card or bank receipts, and they're bought by MCA brokers, ISOs and funders looking for merchants to fund. Intent-based MCA leads are people at US companies whose recent reading is about merchant cash advances, same-day or quick business funding, working capital and business lines of credit, delivered with the company's industry, employee count, revenue range and the person's contact details. Unlike a live transfer, nobody has screened them or put them on the phone; unlike aged leads, they aren't old applications resold to several shops; unlike a UCC list, they aren't picked because they already took financing. Nobody applied or sent bank statements: the signal is what they read in the last two weeks.
People researching advances, working capital and fast funding
A merchant cash advance is usually a fast decision, but it isn't a blind one. An owner short on payroll, inventory or a repair reads first: how soon an advance can fund, how a factor rate compares with interest, whether a line of credit would cost less. That reading comes before the funding form, and before the owner's details are sold to the shops that buy those forms.
We count the people researching those topics every day and match them to their company's industry, size and revenue range. A broker can keep to companies big enough to fund, a direct funder can stay inside the states where its paperwork is filed, and a shop that specializes in restaurants or trucking can keep to that industry alone.
| Topic | Category | People researching (US) |
|---|---|---|
| Restaurant Business Financing | Commercial Lending | 109,923 |
| Quick Business Funding | Commercial Lending | 28,193 |
| Merchant Cash Advance Funding | Commercial Lending | 15,748 |
| Business Funding | Commercial Lending | 12,383 |
| Same-Day Business Funding | Commercial Lending | 11,479 |
| Business Line of Credit | Commercial Lending | 9,344 |
| Fast Working Capital Financing | Commercial Lending | 3,163 |
| Merchant Cash Advance | Commercial Lending | 3,028 |
As of November 13, 2026. People in the US researching each topic on that day, counted exactly; the page checks for a new day every hour. People often research several topics, so the rows overlap: the total above counts each person once. A lane keeps a rolling 14-day window, so it also holds people from earlier days.
Ways to buy MCA leads
The common ways to buy MCA leads, side by side. Third-party prices come from each seller's own pages or a named industry source, checked November 2026 and linked below; where nobody publishes a figure, the row says how the price is set.
| Way to buy | Price | Exclusivity | Contact data included | Timing | Contract or subscription |
|---|---|---|---|---|---|
| Intent leadsPeople researching your topics, which you export yourself | 10¢ falling to 5¢ per lead; counts and samples free | Not exclusive, but no form fill is split among buyers | Name, title, company, business and personal email, mobiles with do-not-call flags, LinkedIn | Researched in the last 14 days; new people every data day | None: prepaid balance, top-ups from $250 |
| Real-time application leadsOwners who just filled in a funding form, sold the moment they submit | $60 exclusive, or $15–$35 in a shared slot, at LoanLeads.io ($42 each in a 1,000-lead exclusive pack); $2–$30 at PowerBridge Media, priced by how soon the merchant says it needs funding12 | Exclusive or shared: a LoanLeads.io shared lead reaches up to three ISOs within 48 hours | The merchant's application answers, with the phone and email checked | Real time, delivered as the merchant submits | Paid upfront in packs of 150, 500 or 1,000 plus a 4% processing fee at LoanLeads.io; a $1,000 minimum order at PowerBridge Media |
| Live transfersA call center screens an owner, then connects them to your closer | From $30 per qualified transfer at MCA Leadz; LoanLeads.io quotes transfers per call134 | Usually one buyer per call; Real MCA Leads sells its transfers exclusively | An owner on the line; you collect the application and bank statements | Live, during the hours your closers can answer | Billed per connected call that passes an agreed length at LoanLeads.io; no minimum order or long-term contract at MCA Leadz |
| Aged leads and UCC listsPast funding applications, and businesses with recent UCC filings, sold by the record | $0.20–$1.00 per aged record by monthly revenue and age at LoanLeads.io, $0.50–$0.99 at PowerBridge Media; UCC cell data at $0.12 a record at PowerBridge Media, UCC data from $0.25 at Real MCA Leads124 | Resold: Real MCA Leads says its aged leads and UCC data may go to other buyers | The original form fields, or the business, owner and filing from the UCC record | Applications from two weeks to a year old; a UCC filing means the business already has financing | Minimum orders: 5,000 records, paid upfront, at LoanLeads.io; $1,000 an order at PowerBridge Media |
- LoanLeads.io, MCA lead pricing, as of November 2026.
- PowerBridge Media, MCA leads and pricing, as of November 2026.
- MCA Leadz, Questions (pricing), as of November 2026.
- Real MCA Leads, Lead plans and questions, as of November 2026.
Who uses MCA leads
MCA brokers and ISOs
Owners reading about advances and same-day funding, reached before they fill in a form that other shops can buy.
Direct funders
Merchant flow of your own beside ISO submissions, kept to the industries, revenue ranges and states you fund.
Lenders with lines of credit and term loans
Owners weighing an advance who may qualify for cheaper money, which you can offer first.
Every field we have, at one price per person
Name, job title, company and website, business email with its validation status, personal email, every mobile we have with its own do-not-call flag, direct and company phones, LinkedIn, department, title and employer history, schools, home city, age, gender, household income, net worth, homeowner, married and children at home, the company's size, revenue, NAICS and SIC codes and address, and why they're here: the topics they researched or the pages they visited. The same fields in the dashboard, the CSV, the API and the webhook.
Every field, by group 70 in all
Who they are33
- First Name
- Last Name
- Job Title
- Seniority
- Standard Title
- Department
- Job Function
- Sub-departments
- Headline
- Title History
- Employer History
- Education
- LinkedIn Connections
- Company
- Website
- Industry
- NAICS
- SIC
- Employees
- Employee Range
- Revenue
- Revenue Range
- Company Address
- City
- State
- Company ZIP
- Company Country
- Company Description
- Photo
- LinkedIn Headline
- Current Title (LinkedIn)
- Current Company (LinkedIn)
- Location (LinkedIn)
Home and household11
- Home City
- Home State
- Home ZIP
- Home Country
- Age Range
- Gender
- Household Income
- Net Worth
- Homeowner
- Married
- Children at Home
How to reach them12
- Business Email
- Email Status
- Personal Email
- Mobile
- Mobile on DNC
- Direct Phone
- Company Phone
- Company LinkedIn
- X (Twitter)
- GitHub
- All Mobiles
Why they're here9
- Intent Topics
- Intent Score
- Last Active
- Visited Page
- Visited At
- Lane
- Keywords Matched
- Intent Strength
- First Seen
The ID that lasts5
- Exported
- Seen Before
- Suppressed
- Lead ID
- Person ID
Aim it at the people you can serve
Every lane takes the same filters as Search, so you only pay for people at companies you can sell to. For this market, these matter most:
- Seniority set to owner, founder or partner, plus CEO and president titles, so you reach someone who can sign for the business.
- Revenue range and employee count at or above the smallest deal your funders will take.
- Industry and NAICS codes for the verticals you fund, such as restaurants, trucking, construction and retail.
- HQ state, to stay where your disclosures and any broker registration are in place.
- Leave out customers, open deals and anyone already in your CRM with an exclusion list.
- Require a mobile, a mobile that isn't on do-not-call lists, or a business email.
- Set the minimum intent strength: low, medium or high.
Pay per lead, only when you export
100% usage-based: pay per lead, no subscription. From 10¢ a person, falling to 5¢ as your month grows, with no seats or contract: add funds to a prepaid balance and spend them on any lane.
Intent leads
Charged once a month per person, however many of your lanes find them.
| People this month | Each |
|---|---|
| First 2,500 | 10¢ |
| 2,501 – 7,500 | 8¢ |
| 7,501 – 20,000 | 6.7¢ |
| Above 20,000 | 5¢ |
10,000 in a month cost $817.50; 50,000 in a month cost $2,987.50. Only the people inside each band get its price. More than 100,000 a month? Talk to us.
Free before you buy
Size the market and check who's in it at no cost.
- Daily counts for every lane and every topic.
- Samples of the people in a lane, before you export.
- Quotes on every export, shown before you pay.
- Exclusion lists, so you never pay for people you already have.
- API, webhooks and CSV on every account.
Set it up in 3 steps
- 01
Add the topics
Create a free account and start a lane with topics such as “Merchant Cash Advance Funding”, “Merchant Cash Advance” and “Same-Day Business Funding”. Or describe what you sell and pick from the topics we suggest.
- 02
Narrow it to your market
Keep owners and CEOs, set the revenue range your funders accept, and limit the lane to the states you're cleared to work in.
- 03
Export, or have them sent
Check the count free every day. Export a CSV when it looks right, pull leads through the API, or have each new person sent to your CRM by webhook.
How to work MCA leads
- 01
Split urgent owners from shoppers
Put Same-Day Business Funding and Quick Business Funding in one lane and Business Line of Credit in another. The first group needs money this week and gets a call the day you export; the second is comparing and gets an email that sets an advance beside a line of credit.
- 02
Set the revenue floor before you dial
Use each lead's revenue range and employee count to drop companies too small for your funders. Ask for the last three to four months of bank statements on the first real conversation, because that is what the file will be judged on.
- 03
Email first, dial by hand
These owners didn't ask anyone to call. Write to the business email, call mobiles without a do-not-call flag one at a time, and keep them out of autodialers and text blasts unless they've given you consent.
- 04
Check the merchant's state before quoting
At least ten states require cost disclosures on commercial financing offers. Virginia, Connecticut and Missouri already make brokers register, and Texas registration is due by December 31, 2026, so keep each lane to the states where yours is done.
- 05
Call it an advance, not a loan
An MCA buys future receivables. Quote the total payback, the holdback and the expected term, deliver the funder's disclosure as issued, and never dress a factor rate up as an interest rate. In California, providers must now state the APR whenever they quote a charge or a financing amount.
- 06
Exclude merchants already in your pipeline
Upload the companies you've funded, the files in underwriting and the merchants your reps are working as an exclusion list. Renewals stay with the rep who owns the account, and no merchant gets a cold pitch from a second desk.
Cadence
Export the urgent lane every weekday and work it the same day; export the comparison lane weekly. Email on day 1, call a mobile without a do-not-call flag on day 2, follow up by email on days 4 and 9, then stop. Anyone who says they funded elsewhere gets one short note 90 days later.
SubjectWorking capital options for {company}
Hi {first name}, If {company} needs working capital soon, I can lay out what it would qualify for before you sign anything: an advance, a line of credit or a short-term loan, side by side, with the total payback for each. We arrange funding for {industry} businesses in {state}. Send the last three months of bank statements and I'll come back with real numbers within {turnaround}. Worth a 10-minute call this week? {name}, {firm}
MCA leads questions
How counts, targeting and prices work for MCA leads. The lanes guide covers keywords, filters and strength in detail.
How much do MCA leads cost?
100% usage-based: pay per lead, no subscription. Intent Leads charges 10¢ per lead for the first 2,500 in a month, then 8¢ up to 7,500, 6.7¢ up to 20,000 and 5¢ after that, from a prepaid balance. Counts and samples are free, and each person is charged once a month however many of your lanes find them. Other ways to buy them, as of November 2026. Real-time application leads: $60 exclusive, or $15–$35 in a shared slot, at LoanLeads.io ($42 each in a 1,000-lead exclusive pack); $2–$30 at PowerBridge Media, priced by how soon the merchant says it needs funding. Live transfers: From $30 per qualified transfer at MCA Leadz; LoanLeads.io quotes transfers per call. Aged leads and UCC lists: $0.20–$1.00 per aged record by monthly revenue and age at LoanLeads.io, $0.50–$0.99 at PowerBridge Media; UCC cell data at $0.12 a record at PowerBridge Media, UCC data from $0.25 at Real MCA Leads.
Are these MCA leads exclusive?
They aren't sold as exclusive, but they aren't a resold application either: nobody filled in a funding form, so there's no submission being passed from shop to shop. Another broker could still reach the same owner through their own marketing, so the advantage is getting there while they're still reading.
How fresh are the MCA leads?
The counts on this page are for November 13, 2026, the latest data day. Each person researched advance or funding topics within the last 14 days, and new owners arrive every data day. Export the same-day and quick funding lane daily: an owner who needs cash this week may have signed with someone by the next.
Can I filter MCA leads by state, industry and revenue?
Yes. Filter by the company's HQ state, city or a radius around a ZIP code, by industry or NAICS code, and by revenue range and employee count. Keep each lane to the states where your disclosures and any broker registration are in place.
Do MCA leads come with phone numbers?
On November 13, 2026, 130,574 of the 169,263 people researching merchant cash advances and fast business funding (77%) had at least one mobile number. Yes, when we have them: every mobile on file, each with its own do-not-call flag, plus a direct or company phone, a business email with its validation status and a personal email.
Can I call or text these merchants?
Not with an autodialer or a text blast. These are interest signals, not opt-ins, and under the TCPA autodialed or prerecorded calls and texts to a cell phone need prior express consent, even when the owner uses that phone for business. If you call, dial by hand and skip mobiles with a do-not-call flag, since courts can treat a registered cell phone as residential even when it's used for business; email is the safer first touch.
Do the leads show monthly revenue, time in business or credit?
No. Each lead has the company's recorded revenue range and employee count, its industry and address, and the person's title and contact details. There are no bank statements, credit scores, existing positions or verified time in business, so collect statements before you submit a file to a funder.
How are these different from UCC lists and aged MCA leads?
A UCC list shows businesses that already took financing, which suits renewal and consolidation offers, and aged leads are past applications that vendors may resell. These are owners reading about advances and funding in the last two weeks with no application behind them, a way to reach merchants before they reach a lead form.
Keep exploring
Leads for nearby markets
Lead lists by ICP
- Small business owners lead list4,243,615 US small business owners, 1,690,141 with a mobile.
- Restaurant lead list349,943 US restaurant owners, 95,566 with a mobile.
- Contractor lead list1,132,028 US construction decision-makers, 401,547 with a mobile.
- Business owners lead list9,829,505 US business owners, 3,466,408 with a mobile.