About PayPerMerchant

What PayPerMerchant is

PayPerMerchant sells exclusive merchant cash advance leads 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.

The name carries the word merchant, which collides with payment processing and merchant services. PayPerMerchant has no relationship to either.

PayPerMerchant is the company behind BusinessLoan.io, a marketplace for business loan products, operated by Business Loans LLC. Business owners apply for capital on BusinessLoan.io and on our other funding brands. Every lead knows the brand: they see our ads, get matched to a buyer, and we collect an application on the buyer's behalf. About 30% of leads finish the full application on the spot, signed, with the SSN, EIN and bank statements, and it lands on the same lead at no extra charge. Not every lead has one. What PayPerMerchant itself sells is narrower than the marketplace. PayPerMerchant sells merchant cash advance leads only. Not leads for business loans, not SBA, not equipment finance, not lines of credit.

Who runs PayPerMerchant

PayPerMerchant is operated by Pay Per Merchant LLC, a United States company based in Brooklyn, New York. The company publishes under its own name. There is no named executive, no author byline and no photograph of a person anywhere on this site, and the structured data on every page names the organization as the author rather than an individual.

A funder vetting a new vendor is entitled to know who is on the other end of the agreement. The answer is one company, and every term printed on this site is a term that company will put in writing. What a shop buys is not a relationship with a person. It is exclusive merchant applications at $60 each, 1 buyer per merchant.

Why PayPerMerchant exists

PayPerMerchant exists because a funder buying merchant applications has almost no way to compare two vendors before paying one of them. Price in this category is quoted on a call. Qualified is a word on a landing page with nothing behind it. Exclusivity is claimed on the day of sale and quietly undone a quarter later, when the same file is resold as aged data.

So the two things a funder normally cannot check are published here instead. The price is $60 a lead, flat at every volume. And the exclusivity is enforceable rather than promised, because PayPerMerchant runs the ads and pays for the click, so there is nobody upstream holding a second copy of the record to sell. Every record is qualified before it is released, against 7 published minimum criteria.

What PayPerMerchant does not do

PayPerMerchant does not originate, underwrite or fund financing. It takes no position in a deal, earns no share of an advance, makes no credit decision^¹, and never charges a merchant anything.

It also does not buy leads. Nothing sold here came from a list broker, a UCC pull, an aggregator or another vendor, which is the same fact stated from the other end: there is no upstream party with a copy to resell.

And it does not name or rank competing lead vendors, on this page or on any other page of this site. A page that ranks its rivals is a sales page wearing a review's clothes. That rule, and the rule that no figure is published without a source and a retrieval date, are written down on the editorial policy.

Where PayPerMerchant is, and how to reach it

PayPerMerchant is based in Brooklyn, New York, and sells to established business brokerages across the United States. The published address is a city and a state and nothing further. There is no retail location and no counter to walk into, so a street address would be an entity detail with nothing behind it.

The contact page covers how to start, and who should not get in touch.

Who built PayPerMerchant

PayPerMerchant is built by the team that created Borks.io, grew it into an industry-leading MCA marketing agency and sold it. PayPerMerchant is its own company, Pay Per Merchant LLC.

Our minimum package is $3,000, which is 50 leads. There is no retainer and no minimum term, so a shop that dislikes the first order owes nothing further.

Who buys leads from PayPerMerchant

PayPerMerchant works with established business brokerages which have a sales process. We cater to companies already buying leads and selling to cold traffic. The fit is a shop that already has a dialer, a CRM and someone whose job is to call. Our minimum package is $3,000, which is 50 leads.

The numbers behind that: 30K+ leads delivered, 50+ funders served, and an 80% reorder rate. The reorder rate is the one a funder should weigh, because it is set by shops choosing to spend again after dialling what PayPerMerchant sold them last time.

It is not for a business owner looking for capital. PayPerMerchant does not lend. A merchant who lands here can apply for capital on BusinessLoan.io or go to a funder directly.

How PayPerMerchant makes money

PayPerMerchant is paid $60 for a lead, once, by the one funder that receives it. That is the entire revenue model for the leads sold on this site. There is no commission on an advance, no share of a funded deal, no fee charged to the merchant, and no payment from any third party for coverage on this site.

The alignment that follows is the reason qualification means anything here. Because the money comes from selling one record to one buyer rather than from the size of any advance, there is no reason to push a merchant toward a bigger deal than they asked for. What is left to compete on is whether the record is real, which is what qualification is for.