The short answer
Agree immediately, then use the agreement to get something concrete: what to put in it and when you can call back about it. "Send me an email" is a polite exit most of the time, so the goal is not to refuse it but to make the email a step in a process rather than the end of one — which means leaving the call with a reason and a time to ring again.
Arguing with this one loses. The merchant has offered you a low-friction way to end the call and pushing back confirms that you are the thing they were trying to get away from.
Agree, then narrow it
"Of course — what would be most useful to have in it?" is the whole move. Either they name something, which is a live conversation you can continue, or they cannot, which tells you it was an exit and you can ask for a time to call back instead.
| They say | What it means | What you do |
|---|---|---|
| "Rates and terms" | Real interest, wrong stage | Explain the statements set the price, ask for them |
| "Just whatever you have" | It was an exit | Ask for a time to call back and diarise it |
| "How it works" | They do not know the product | Two sentences now, email after |
| "Send it to my accountant" | A real decision-maker exists | Get their details and a joint call |
What to actually send
- Short. Three or four sentences, not a brochure.
- Specific to what they said on the call — it proves you listened and it is the reason they open it.
- One ask, which is usually the bank statements.
- A stated time you will call, so the follow-up is not cold.
The statements ask belongs in the email even when the call ended early, because a merchant who was genuinely interested sometimes sends them anyway, and that is the cheapest deal you will work all week.