How to Buy MCA Leads That Actually Convert
A practical checklist for brokers, ISOs, and funders to pick the right MCA lead sources.
1) Decide live vs aged
Live leads (same-day capture) convert faster; aged leads (2–3 days) are budget-friendly for volume. Blend both to balance cost and performance.
2) Insist on verification
- Stated revenue + contact verified
- Timestamp of capture
- Exclusivity flag (semi-exclusive / limited share)
3) Get bank statements when buying apps
For applications, require the last 3 bank statements so underwriting can move quickly. Minimum 3 months; 6 months when available.
4) Match delivery windows to your team
Schedule drops when reps can call: typical windows are 11am–2pm ET and 3pm–6pm ET. Better contact rates = better conversions.
5) Start with samples and a test
Request 2–3 samples to verify fields and format. Run a small test batch before scaling daily volume.
6) Track replacements and SLAs
Use providers with a clear replacement policy for invalid records. Know the rules upfront.
Quick pricing benchmarks
Live MCA leads (semi-exclusive)
~$20 per lead (exclusive programs vary by availability)
Aged MCA leads (2–3 days)
From $0.50 per lead
Live MCA apps (with statements)
~$20 per app; aged apps ~ $5
Get a sample pack
We’ll send 3 redacted samples (live + aged) and reserve a test drop in your states.
Related services
Exclusive MCA Leads (check availability)
Exclusive programs are limited; request availability.
Learn more