Two quotes thirty dollars apart are usually not the same thing priced differently — they are different things. These are the market bands as of the last time we checked them against live vendor pricing.
| Type | Market range | What you are paying for |
|---|---|---|
| Exclusive, fresh, verified | $65–$120 | One buyer, phone proven live |
| Exclusive real-time (broad) | $30–$150 | One buyer, verification varies |
| Real-time shared | $10–$30 | Same record, three to five buyers |
| Fresh application (0–30 days) | $15–$45 | Recent, not real-time, resale unclear |
| Live transfer | $50–$300 | A connected call, screened by them |
| Aged / list | $0.50–$5 | Old intent, unknown consent |
| Business / UCC data | $0.02–$0.20 | A record, not a lead |
What moves a price inside a band
- Verification. A one-time-code step discards a large share of submissions and that cost lands in the price. It is most of the gap between a $60 lead and a $20 one.
- Exclusivity duration. Permanent costs more than exclusivity that quietly expires after thirty days.
- Qualification depth. Screening throws away traffic somebody paid for.
- Volume. Orders in the hundreds move the per-lead price down.
- Delivery. Real-time webhook infrastructure costs more to run than a CSV.
The comparison that matters remains cost per funded deal rather than cost per lead. These bands are the input to that calculation, not a substitute for it — a $15 lead is only cheap if its funded rate holds up, and that is a question the price cannot answer.
Questions brokers ask
How much do exclusive MCA leads cost?
Exclusive, fresh, verified leads run roughly $65 to $120 on the open market. Exclusive real-time more broadly spans $30 to $150, where the verification standard varies considerably.
Why are shared leads so much cheaper?
Because the same record is sold three to five times, so the generator recovers their cost several times over. You are buying a share of a merchant’s attention rather than the merchant.
What makes a verified lead cost more?
The one-time-code step discards a large share of submissions, and the cost of the traffic that was thrown away lands in the price of what survives. It is most of the gap between a $60 lead and a $20 one.
Is UCC data a lead?
No — it is a record of a business that has taken financing before, with no expressed intent and no consent. Priced in cents for that reason, and it is an outbound list rather than a lead source.
Should you compare vendors on price per lead?
No, on cost per funded deal. These bands are the input to that calculation; a cheap lead is only cheap if its funded rate holds up, which the price cannot tell you.
Reference
The full pricing pictureIncluding how to convert any of these bands into cost per funded deal.
Alex Makowski
Founder, Infinite Bookings
Runs the lead generation operation behind Infinite Bookings — paid traffic, the funding application, and the delivery pipeline that puts records into brokers’ CRMs.
Reachable directly at alex@infinitebookings.com or 732-609-7182.