We run the ads. You get the file.1 buyer.

Who pays for the advertising that finds the merchant?

We do. We run the ads on our own ad accounts and we buy every click with our own money before you buy the lead. No lists, no aggregators, nobody upstream. Every lead starts as our ad, on our spend, which means $0 of a funder's budget is committed before a qualified merchant exists.

That is the difference between a per-lead price and a retainer. On a retainer the buyer funds the media, so a week of expensive clicks is the buyer's problem. Here the media risk sits with the seller and the buyer sees 1 number, $60, for a record that already cleared 6 gates. The full price is on pricing.

What does the merchant actually fill out?

An application, on his own phone, in his own words. The merchant states how much capital he is asking for, how long the business has traded, his average monthly sales, whether he can produce the last 4 months of business bank statements, whether he has ever defaulted on a business loan or advance, his approximate credit band, and how soon he wants funding.

Six of those answers are the gates. 12 months or more in business. $20,000 or more in average monthly sales. The last 4 months of bank statements accessible. No prior default. A credit score of 500 or higher. And a phone number that validates as a real, reachable mobile. The capital figure and the funding timeline are collected and delivered but are not filtered on, because what a merchant asks for and what his deposits support are different numbers. A record that misses 1 of the six is not a record you are invoiced for, and the reason behind each minimum is written out on what is in a lead.

How is the phone verified before the lead is released?

The 9th gate is the phone, and it is the one gate that cannot be self-reported. The number the merchant typed is dialled, and it is answered, before the record is released to a buyer. A number nobody picks up is not a lead, so it does not leave our side of the wall and it never reaches your invoice.

This is the single most expensive step to run and it is the reason the rest of the record is worth anything. A file with perfect figures and a dead number costs a funder the same dial time as a live one and returns nothing. Verifying the phone first moves that cost off the buyer entirely.

What consent is captured, and what proof comes with the lead?

Consent to be contacted is captured at the point of submission and documented per lead. A consent certificate is attached to every lead, so the proof travels with the record rather than living in a spreadsheet somewhere upstream of it.

That matters more in this category than in most. A merchant application bought from a list carries whatever consent the original form captured, if any, and the buyer inherits the exposure without ever seeing the document. Here the record and its consent proof are 1 object, delivered together, in the same delivery.

How does the lead reach my CRM?

Live, by API, while the merchant is still at his desk. The merchant hits submit and the record is in your CRM about 50 milliseconds later. Not a nightly CSV, not a portal to log into, not aged data resold.

That figure is a published term rather than a measured average. It is the delivery commitment we set, in the same class as the $60 price, and it is what the mechanism is built to do: the delivery fires the moment the record clears phone verification, not on a batch, not on a nightly file, and not after a queue. No contact rate, close rate or funded volume is published anywhere on this site, because those are yours rather than ours to set.

How do I know the lead was sold only to me?

1 merchant, 1 buyer, 1 time. The record is not shared with a second funder, not sold again later at any age, and not resold at any price. Exclusive and new. One buyer, never shared, never resold, never aged.

The check on that claim is the delivery log in your account. Every delivery is stamped and shows the single buyer it went to, which makes exclusivity a line in a log you can audit rather than a promise on a sales page. The daily view breaks out accepted, duplicate, returned and rejected side by side, so the leads we threw away before they reached you are visible too.

What can I do when a lead is wrong?

Flag it and it costs $0. Bad lead? Don't pay for it. Dead number, wrong business, or a merchant who does not clear 1 of the 9 published gates. One credit per lead you buy. A credit is spent when a real merchant lands in your CRM. If a lead comes through with a fake number or a junk name, mark it. The credit goes back. No time limit, no form, no argument.

The last 2 rows are the honest half of this page. We guarantee the lead, not your closes. 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. Start with the free 10 and judge us in your own CRM.