The record
Qualified. 1 buyer. 15 fields.
The fields on a merchant cash advance record, the 7 minimum criteria every submission clears before release, and the things a lead cannot tell you.
What is actually in an MCA lead you buy here?
An MCA lead from PayPerMerchant is a qualified merchant application with 15 fields, not a name and a phone number. Every merchant record is qualified before it is released to a buyer. The record carries the owner's name and mobile number, the business name, and the consent captured at submission, and every field on it is a real answer the merchant gave rather than a blank you have to chase on the first call.
PayPerMerchant sells merchant cash advance leads only. Not leads for business loans, not SBA, not equipment finance, not lines of credit.
A delivered lead carries all 15 fields: monthly revenue, time in business, prior defaults, business bank account, how soon they want to get started, verified phone, verified email, funding amount needed, industry, credit score, exact monthly sales, the window they will pick up a call in, first and last name, business name, and proof of consent to calls and texts.
What does “qualified” mean before a record is released?
Every merchant record is qualified before it is released to a buyer. 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. The terms behind every record are printed below.
| Term | What it is |
|---|---|
| Price | $60 a lead, flat at every volume. |
| Exclusivity | Exclusive means one merchant, one buyer, one time. A record released to a funder is never shared with a second buyer, never resold, and never released again as aged data. |
| Live delivery | The record reaches your CRM the second the merchant submits. |
The mechanism behind live delivery is on how it works and the full price breakdown is on pricing.
How are the phone and email verified before a lead ships?
Every lead goes through a verification system before it reaches you. Phone and email are both checked before the lead is released: PayPerMerchant checks each phone number against a live API to confirm it is a real, reachable mobile, not a mistyped or disconnected one. No code is sent and none is typed, so the merchant never sees a verification step at all, and the whole check runs in the background between submission and delivery.
What this does not do is prove the owner picks up on your first call. A validated number is a format and carrier check, not a promise that a human answers, and saying otherwise would be the easiest claim on this page to make and the hardest to keep.
PayPerMerchant has delivered more than 30,000 of these records to date, every one carrying a number that cleared this check before release.
Is the full application included, and does every lead have one?
Not every lead has one. Merchants apply on our own funding brands, including BusinessLoan.io, and 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. The 15 fields above are on every lead; the full application is on about 30% of them.
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. The sensitive values are shown there, not sent by ordinary email. The 30% is 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. The $60 is the same whether a lead has one or not.
How do you know it's working?
By what happens after delivery rather than by what is printed before it. 50+ funders served. Buyers who work these leads reorder at 80% across the book of business, which is the number that actually reflects what clears the process rather than a page's own description of it.
Reorder rate is the harder number to fake, because it is set by a funder choosing to spend money again after dialling what PayPerMerchant sold last time, not by a paragraph on this site. It says nothing about any single record you buy this week, and it is the one proof offered here that is not the company describing itself.
The average lead looks like this. Of 156 qualified leads from October 2 to 8, 2026, merchant-reported: $500K median yearly revenue, and 69% do $30K+ a month. 77% have been open 2 years or more, and 50% have been open 5 years or more. They span 11 industries. Restaurant and food make up 16%. Automotive, and trucking and freight, each make up 15%. Retail and online make up 13%. Professional services, home services, and medical and care each make up 8%. Construction makes up 7%. Beauty and wellness, and travel and pets, each make up 3%. Other industries make up 4%.
What does a lead not tell you?
A lead tells you that the merchant qualified before the record was released and what he told us about his business at submission. It does not tell you that he will pick up on your second call, that he will send statements, that he will accept your offer, or that the deal will fund. We sell the lead, not the funded deal.
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. Our written commitments are limited to: exclusivity, qualification before release, the consent record and live delivery. Everything past that line is your own sales operation, and no lead seller who tells you otherwise is describing something they can control.
Every merchant states the window they will pick up in, 1 to 8 hours. No close-rate figure is published on this site. Our minimum package is $3,000, which is 50 leads. Measure them in your own CRM before you reorder.
The offer
Pay only for qualified merchants.
$60 a lead. Flat at every volume. No setup fee, no retainer, no monthly commitment.
