Present the offer live rather than emailing it, walk the merchant through the total payback and the daily remittance in dollars, answer the objection you can predict, and get the signature while you are still on the call. Offers that go out by email to be reviewed are the ones that get compared to a competing offer arriving Thursday.
A merchant shopping for funding is usually talking to more than one broker. Time is not a neutral force in that situation — every day an offer sits unsigned is a day for somebody else’s to arrive.
Factor rates mean nothing to most merchants and the number they actually live with is the daily remittance. Lead with what lands in the account, what comes out each day, and for roughly how long — then give the total payback, because saying it before they ask is what makes the rest credible.
| Say | Not |
|---|---|
| "$62,000 into your account" | "An advance of sixty-two" |
| "About $580 a business day" | "A 12% holdback" |
| "Roughly five and a half months" | "A 120-day term, approximately" |
| "$83,700 back in total" | Nothing, and hope they do not ask |
You already know what it will be: the total cost. Saying "that is $21,700 more than you took, over five and a half months — the question is whether what you do with the $62,000 is worth more than that" puts the trade in front of them honestly. A merchant who reaches that objection on their own, after you avoided it, hears something different.
Present it live and send the agreement while you are still on the call. An emailed offer sits until it can be compared against whatever arrives on Thursday.
In dollars — what lands in the account, what comes out each business day, roughly how long for, and the total payback. Factor rates and holdback percentages mean little to most merchants.
Yes. You know it is coming, and putting the trade honestly in front of them is far stronger than letting them find it after you avoided it.
Ask what specifically — it is usually one answerable thing. Get any partner or accountant on the phone rather than becoming a relayed message, and book a named time rather than saying you will call back.
Because the merchant is talking to other brokers and the first real offer in front of somebody who needs money this week frequently wins. A better offer arriving two days later loses to one signed on Tuesday.
We will tell you straight up if we cannot help you. No commission deals, no free trials, no chasing you for three weeks.