How it works
We run the ads. You get the file. 1 buyer.
The 6 steps between an ad we already paid for and an exclusive merchant record landing in your CRM in real time, and who pays at each one.
How does a merchant become a lead you can buy?
A merchant becomes a lead you can buy in 6 steps. PayPerMerchant runs the ads, the merchant applies on BusinessLoan.io or one of our other funding brands, is matched to your company by name, his application clears 7 minimum criteria, his phone and email are verified, and the record lands in 1 buyer's CRM in real time. About 30% then finish the full application, and it lands on the same lead.
Every step before delivery happens on our money. That is the shape of the whole arrangement: the risk of a merchant who never applies or never qualifies sits on the seller, and the buyer pays $60 at step 5 for a record that survived the chain. Step 6 costs nothing more.
| Step | What happens | Who pays for it | What exists afterwards |
|---|---|---|---|
| 1. The ad runs | The ads are already running. Our own ads, our own money, on TikTok, Facebook, Google, Reddit and more. We just plug you into the system. | We do | A click already bought and paid for |
| 2. The merchant applies | Business owners apply for capital on BusinessLoan.io and our other funding brands. He starts the application from his own phone. | We do | A partial record, and no lead yet |
| 3. The merchant is matched to you | The second a merchant applies, they're matched to you on what you want, like industry or language. Their screen shows your company by name. | We do | A merchant who knows your company's name before you call |
| 4. The application is qualified and verified | Our system screens every answer on the form, and every submission clears 7 minimum criteria. Phone and email are both checked before release. Consent is captured at submission and documented against the record. | We do | A qualified file with a reachable phone and a consent record on it |
| 5. The lead is delivered | Qualified, phone and email verified, sent only to you. Live, into your CRM, the second the merchant submits. | You do, at $60 | An exclusive merchant application in your system, plus the consent proof |
| 6. We collect the application | 30% finish the full application on the spot. You get it signed, with the SSN, EIN and bank statements. It lands on the same lead. | Nobody. It is inside the $60 | For about 30% of leads, a signed application on the same lead |
Who pays for the advertising that finds the merchant?
We do. The ads are already running, on our own ad accounts, on TikTok, Facebook, Google, Reddit and more. We build the campaigns and buy every click with our own money before you buy the lead. We just plug you into the system. 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.
What does the merchant actually fill out?
An application, on his own phone, in his own words, on BusinessLoan.io or one of our other funding brands. PayPerMerchant is the company behind BusinessLoan.io, a marketplace for business loan products, so every lead knows the brand it applied on. The merchant answers a short set of questions about his business and what he is looking for, and the form captures his contact details and the consent to be reached.
Some of those answers decide whether the application ever becomes a lead. Every submission clears 7 minimum criteria: monthly revenue of $20K+, 1 year+ in business, no prior defaults, a business bank account, looking to get started within 2 weeks max, a verified phone and a verified email. A record that does not qualify is not a record you are invoiced for, and what does ship on a qualified record is set out on what is in a lead.
How is the merchant matched to me?
On what you want, like industry or language. 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.
What you want is set on the first call, with the rest of the buy box: which states, which deal sizes, what a shop will and will not work.
How are the phone and email verified before the lead is released?
Phone and email are the checks on the application that cannot be self-reported. Every lead goes through a verification system before it reaches you, and phone and email are both checked before the lead is released.
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. Checking the phone first moves that cost off the buyer.
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, 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. Every lead lands in your CRM the second the merchant submits, verified, consented and logged to the second. Not a nightly CSV, not a portal you have to check, not aged data resold.
CRM, email, SMS or Google Sheets. Any of them, or all of them. Instant. Sent the second the merchant submits. Every lead is also in your client portal, with the date and time it arrived. Your login is live the same day you pay.
What is the full application, and does every lead have one?
Not every lead has one. About 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. You get it signed, with the SSN, EIN and bank statements.
A full application can hold the ownership percentage, date of birth, Social Security number, home address, whether the owner rents or owns, the legal business name, DBA, business structure, EIN, business address, bank statements through a bank connection or upload, and the electronic signature with a signed application PDF. A merchant may also add a driver's license, a voided check, an EIN letter or articles of organization, and this month's transactions. It lands on the same lead in your client portal, and the sensitive values are shown there rather than sent by ordinary email.
The 30% is a current figure for the share of leads that include a finished full application. It says nothing about how many deals fund, and no order is promised a set number of full applications. What every lead carries, with or without the application, is on what is in a lead.
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.
PayPerMerchant proves it with the match. The second a merchant applies, they're matched to you and see your company's name on their screen. Their screen says your company, and only yours. That's how you know nobody else got the lead.
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 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.
The offer
Exclusive MCA leads, delivered live to 1 buyer.
$60 a lead. Flat at every volume. No setup fee, no retainer, no monthly commitment.
