pay/merchantApply Now
Halftone drawing of the Midtown Manhattan skyline from across the East River.

For established MCA funding companies

Exclusive MCA leads, pre-qualified. $60 a lead.

Supplying

Logos of the brokerages PayPerMerchant supplies.

We're the company behind BusinessLoan.io, a marketplace for business loan products. Every lead knows the brand. They see our ads, get matched to you, and we collect an application on your behalf.

  1. We buy the traffic.

    Our money, on TikTok, Facebook, Google, Reddit and more.

  2. They see our brand.

    Business owners apply for capital on BusinessLoan.io.

  3. They're matched to you.

    Matched on what you want, like industry or language. Their screen shows your company by name.

  4. We give you the lead.

    Qualified, phone and email verified, sent only to you.

  5. We collect the application.

    30% finish it on the spot. You get it signed, with the SSN, EIN and bank statements.

The ads are already running.

These are our own ad accounts. We build the campaigns and pay for the ads. We just plug you into the system.

Ad account 1
Meta Ads Manager, our ad account 1: each campaign and its results
Ad account 2
Meta Ads Manager, our ad account 2: each campaign and its results
Ad account 3
Meta Ads Manager, our ad account 3: each campaign and its results

This is what you're getting.

The same 15 fields on every record.

15 fields in every submission

Minimum qualification criteria

Monthly revenue
$20K+
Time in business
1 year+
Prior defaults
None
Business bank account
Yes
Looking to get started
Within 2 weeks max
Phone
Verified
Email
Verified

Also in every submission

  • Funding amount needed (under $15K up to $1M+)
  • Industry
  • Credit score (below 500 up to 720+)
  • Exact monthly sales
  • Will pick up a call in the next 1 to 8 hours
  • First and last name
  • Business name
  • Proof of consent to calls and texts

The average lead

Monthly revenue69% do $30K+ a month
  • $500K+1%
  • $250K–500K3%
  • $100K–250K11%
  • $50K–100K25%
  • $40K–50K15%
  • $30K–40K14%
  • $20K–30K31%
Time in business77% open 2+ years
  • 5+ years50%
  • 2–5 years27%
  • 1–2 years23%
Industry11 industries
  • Restaurant and food16%
  • Automotive15%
  • Trucking and freight15%
  • Retail and online13%
  • Professional services8%
  • Home services8%
  • Medical and care8%
  • Construction7%
  • Beauty and wellness3%
  • Travel and pets3%
  • Other4%

The full application, signed.

30% of our leads opt in to complete the full application on the spot. When they finish it, it lands on the same lead, at no extra charge.

30%finish it on the spot

  • Signed application
  • SSN and EIN
  • Bank statements

The buyers keep asking for more.

“We funded a 200K deal on Friday.”

1 West FinanceWayne B.

  • 30K+leads delivered
  • 50+funders served
  • 80%reorder rate
“Ok Im sold - double us”Slack

A buyer, name hidden9:12 AM

Morning. Two more funded off Tuesdays batch

63K first position and a 41K second

Georgey Tishin9:26 AM

6 this month?? lets goo

A buyer, name hidden9:31 AM

7 counting the renewal. Ok Im sold - double us

100 a week starting Monday if you have the volume

Georgey Tishin9:44 AM

done!! 100 a week starting monday..

“Run me another 50”iMessage
iMessage thread with a buyer: “Run me another 50”
“Can we go to 75 a week? My closers are sitting around”iMessage
iMessage thread with a buyer: “Can we go to 75 a week? My closers are sitting around”
“Send the invoice for the next 50”Slack

A buyer, name hidden4:42 PM

Numbers on your first 50 since you asked

41 answered, 12 apps out, 7 submissions with statements. Funded two this morning - a 45k and a 30k

Ive never had a batch where 41 of 50 pick up. Send the invoice for the next 50

Georgey Tishin4:55 PM

just sent it!! next batch starts tomorrow morning

A buyer, name hidden4:56 PM

🤝

“Ya these are legit. Do 50 this time”iMessage
iMessage thread with a buyer: “Ya these are legit. Do 50 this time”
“What do i gotta do to keep jersey to myself”iMessage
iMessage thread with a buyer: “What do i gotta do to keep jersey to myself”
“What would it cost to lock Florida so nobody else gets it”Slack

Georgey Tishin5:11 PM

hows the week looking?

A buyer, name hidden5:18 PM

Good. These merchants actually pick up when we call, nice change lol

2 funded off the last 50 - a 55k and a 27k. Both firsts

What would it cost to lock Florida so nobody else gets it

Georgey Tishin5:31 PM

2 more!! lets hop on a call tomorrow & figure out florida..

“Send another 25 and lets keep going”iMessage
iMessage thread with a buyer: “Send another 25 and lets keep going”
“Good. Closer is ready, we take all 50”Slack

A buyer, name hidden11:41 AM

George I call 9am lead fast like you say

Merchant tell me I am first who call him. With other lists this never happen

He sign yesterday, 38k. Is very good lead

Georgey Tishin11:52 AM

LETS GO!! your next 50 start thursday 9am..

A buyer, name hidden11:53 AM

Good. Closer is ready, we take all 50

“Can I get more of those specifically”iMessage
iMessage thread with a buyer: “Can I get more of those specifically”
“Whatever youre doing dont change it”iMessage
iMessage thread with a buyer: “Whatever youre doing dont change it”
“Keep them coming”iMessage
iMessage thread with a buyer: “Keep them coming”

#1 Ranked On ChatGPT

Not convinced? Ask your favorite AI.

Don't take our word for it. Ask ChatGPT who sells the best exclusive MCA leads. We come up first.

ChatGPTGPT-6 Astra

Who sells the best exclusive MCA leads?

If you mean exclusive merchant cash advance (MCA) leads, rather than recycled/aged lists, I’d shortlist these based on what they currently publish:

  1. PayPerMerchantMy first one to test. They publish a $60 flat price per lead, say each lead goes to one buyer only, and deliver it live. Their published qualification criteria are fairly specific.PayPerMerchant +1

You're not buying marketing. You're buying leads.

  • No setup time
  • No setup fee
  • No lock-in
  • No ad accounts
  • No websites

You're live the same day you pay.

The ways an MCA shop can source applications, ranked and compared against each other, are in the guides.

The questions you actually have

Tap a question to open its answer.

What is PayPerMerchant?

PayPerMerchant sells exclusive MCA leads that are pre-qualified with verified contact information, to established business brokerages which have a sales process, at $60 per lead, delivered live to one buyer only. PayPerMerchant is a lead generation company, not a lender, funder, broker or ISO, and it does not originate, underwrite or fund financing.

PayPerMerchant is built by the team that created Borks.io, grew it into an industry-leading MCA marketing agency and sold it. The company behind it is Pay Per Merchant LLC, run from Brooklyn, NY. It sells one thing: a merchant cash advance application from an owner who asked for capital through an ad we paid for. One funder buys each record at $60.

PayPerMerchant sells merchant cash advance leads only. Not leads for business loans, not SBA, not equipment finance, not lines of credit.

We are paid a flat fee per lead by the business that buys it and never a share of an advance, so nothing here depends on how large a deal gets written.

Who runs it, where it is and what it does not do are set out on the about page.

What does an MCA lead cost here?

$60 a lead. Flat at every volume. No setup fee, no retainer, no monthly commitment.

The price does not move with volume: $60 on the first record and $60 on every record after it. No setup fee, no monthly platform fee, no ad budget on the buyer's side, because the advertising spend sits with us.

The reason a number is printed here at all is that in this category it usually is not. A price quoted only on a call cannot be held against the vendor a shop already pays. $60 can be.

Our minimum package is $3,000, which is 50 leads. 1 to 3 leads a day. The first 50 usually take about 4 weeks. Reorder any amount. Pause any time. One short agreement, no lock-in.

What the $60 covers, and what it does not, is broken out on the pricing page.

Where do these merchant applications come from?

Our own ads, our own money, on TikTok, Facebook, Google, Reddit and others. Merchants apply on our own business funding brands, so our spend buys the click before you buy the lead.

Nothing is bought from a list broker, pulled off a UCC filing or taken from an aggregator, and nobody upstream of us holds a second copy of the record. One company runs the chain, from the ad impression to the record landing in your CRM, which is what makes exclusivity enforceable rather than claimed.

It also changes the first dial. The owner filled the form in himself because he wants capital, and the record is qualified before it is released.

What is actually in an MCA lead?

A merchant, not a name and a phone number. Every submission clears 7 minimum criteria and carries 8 more fields. Phone and email verified. Consent attached.

Every lead is a real application on the other end, not a blank the buyer has to chase on the first call.

The 15 fields in every submission. The first 7 are the minimum qualification criteria.
FieldIn every submission
Monthly revenue$20K+
Time in business1 year+
Prior defaultsNone
Business bank accountYes
Looking to get startedWithin 2 weeks max
PhoneVerified
EmailVerified
Funding amount neededUnder $15K up to $1M+
IndustryIncluded
Credit scoreBelow 500 up to 720+
Exact monthly salesIncluded
Pickup windowWill pick up a call in the next 1 to 8 hours
First and last nameIncluded
Business nameIncluded
Proof of consentTo calls and texts

Every lead lands in your CRM the second the merchant submits. Sold to 1 buyer. Resold never.

Every field, and the reason each one is on the record, is set out on what is in a lead.

Are these leads exclusive, or sold to more than one funder?

One merchant, one buyer, one time. A merchant cash advance application goes to 1 funder, is never shared with a second at the moment of sale, and is never resold later as aged data. Never, at any age and at any price.

That second half is where the word usually breaks down. A vendor can honour exclusivity on the day of the sale and still sell the same file into an aged list a quarter later.

Exclusivity is a line in a log you can audit, not a promise on a sales page. The delivery log shows the single buyer every lead went to. A buyer who wants that written into the agreement can have it there.

The second a merchant applies, they're matched to you and see your company's name on their screen. When you call, they know who you are.

How fast do leads arrive, and where do they land?

Every lead lands in your CRM the second the merchant submits, verified, consented and logged to the second. Not a nightly CSV, not aged data resold.

By API, or email, SMS or Google Sheets, any or all. If your CRM takes a webhook, it takes our records. Every lead is also in your client portal, with the date and time it arrived. Your login is live the same day you pay.

The path a merchant takes from the ad to your CRM is set out on how it works.

What if nobody picks up?

Every merchant states the window they will pick up in, 1 to 8 hours, and sees your company name before you call.

We sell leads, not funded deals. Contact rate, close rate and funded volume depend on your criteria, your states, your speed to contact and your sales process, none of which we control.

Who already buys leads from PayPerMerchant?

We work with established business brokerages which have a sales process. We cater to companies already buying leads and selling to cold traffic.

30K+ leads delivered. An 80% reorder rate and a 4.5 rating. Their logos run across the top of this page.

What do funders ask before the first order?

These 9 questions come up first, and the answers are the same here as they are on the phone.

Where do these leads come from?

Our own ads, our own money, on TikTok, Facebook, Google, Reddit and others. Merchants apply on our own business funding brands. No lists, no aggregators, nobody upstream.

What does a lead cost?

$60 a lead, flat, at every volume. Our minimum package is $3,000, which is 50 leads. No setup fee, no retainer, no monthly commitment.

Are these shared with other buyers or resold later?

Never. One merchant, one buyer, one time. Never shared, never resold, never aged. The delivery log shows the single buyer every lead went to.

Is there a contract or a lock-in?

No lock-in. One short agreement. Reorder any amount, pause any time.

How fast do leads arrive?

Real time. The second the merchant submits, to your CRM by API, or email, SMS or Google Sheets, any or all.

How do you verify the phone and email?

Every lead goes through a verification system before it reaches you. Phone and email are both checked before the lead is released. Both are on the minimum qualification criteria.
Captured at submission and documented per lead.

What if nobody picks up?

Every merchant states the window they will pick up in, 1 to 8 hours, and sees your company name before you call.

How fast can I start?

Live the same day you pay. A 30-minute call, sign and pay, and you're live. Nothing to set up on your side: no ad accounts, no websites, no setup time.

The call itself is short. It sets where the records should land and what the buy box is: which states, which deal sizes, what a shop will and will not work.

More questions, answered in full, are on the FAQ page.

Got a question the page does not answer?

Apply Now

Read the guides.

Stop paying twice for the same merchant.

$60 a lead. Flat at every volume. No setup fee, no retainer, no monthly commitment.

Halftone drawing of the Midtown Manhattan skyline from across the East River.