Business funding leads are owners who asked about working capital, equipment, receivables financing or a loan to start or grow. Most are busy running the business while they shop, so they respond to a funder who is quick, asks the right questions up front and tells them clearly which documents to send. These requests are a common source of MCA leads as well as SBA and term-loan files.
Underwriting fit is decided by a few numbers: monthly revenue, time in business, owner credit and the amount requested. Filter on those so each campaign only receives files your programs can fund. A merchant cash advance desk and an SBA lender want very different profiles, and paying for leads outside your box burns budget and agent time quickly.
Owners deserve a straight explanation of cost and structure. A factor rate is not an interest rate, daily or weekly remittance affects cash flow, and SBA timelines are longer than many expect. Do not promise approval or quote pricing before review, apply the same criteria to every applicant, and follow the commercial financing disclosure rules that apply in your states.