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Aged leads have a bad reputation that is mostly deserved and occasionally wrong. The question is never whether they are good — they are not — but whether they are cheap enough to be worth the dials on a floor that has spare dials.
| Condition | Aged data works? |
|---|---|
| Idle rep capacity | Yes — the dials are free at the margin |
| Rep-heavy, lead-light cost structure | Yes |
| Disciplined multi-touch follow-up | Yes |
| Floor already at dialling capacity | No — it displaces better leads |
| Small team closing on fresh inbound | No |
| No suppression or scrub process | No, and it is a risk as well as a waste |
What has decayed by the time you get it
- Intent. The merchant asked for funding months ago and may well have got it.
- Contactability. Numbers get reassigned and businesses close.
- Consent. Revocations you never saw have happened in the interval.
- Exclusivity, entirely. Assume everyone has called them.
Aged data is not a UCC list
The two get sold side by side and they are different things. An aged record is an application a merchant really filled in, a while ago. A UCC list is public filing data: it says a business took secured funding once, and nobody on it asked to be called. That is why UCC lists sell for cents a record, and why a UCC list is targeting rather than intent. The three-way comparison puts both beside live transfers, and what a UCC-1 filing is covers what the filing does and does not tell you.
The angle that works
Not "you enquired about funding" — they know, and so did the last six callers. The workable angle is renewal timing: a merchant who was funded four to six months ago is approaching the point where their advance is roughly half paid down — the usual renewal eligibility — which makes aged data a renewal list rather than a lead list. That reframing is what makes the maths work when it works at all.
We sell aged MCA leads at $0.35 per lead, and everything above applies to them: they are not exclusive, they carry no TrustedForm certificate, and they need a re-scrub before anyone dials. They suit the first three rows of the table, not the last three.
Questions brokers ask
Are aged MCA leads worth buying?
Only for floors with idle rep capacity, a disciplined follow-up process and a marginal dial cost near zero. At a low enough price a poor funded rate can still clear; on a floor already at capacity it displaces better leads.
How much do aged MCA leads cost?
Under $5 a record on the open market when we checked vendor pricing on 29 August 2026; UCC filing lists, which are not applications at all, sell for cents. Ours are $0.35 per lead, not exclusive, with no TrustedForm certificate. The per-record price is not what decides it: a thousand records at $0.35 per lead is $350, and whether they pay comes down to the rep time to work them and the re-scrub before anyone dials.
Why are aged MCA leads so cheap?
Because most of what a fresh lead is priced on has gone. The merchant applied months ago and may already be funded, numbers have been reassigned, consent may have been revoked, and the record has been sold to many buyers — ours are not exclusive either. What is left is a list that needs re-scrubbing before anyone dials it and far more dials per conversation, and the price reflects that rather than a discount on the same product.
What has changed by the time a lead is aged?
Intent, contactability and consent have all decayed, and exclusivity is gone entirely — assume every broker in the market has already called them.
Do aged leads need re-scrubbing?
Always, and it is not optional. Numbers get reassigned, consent gets revoked and people become plaintiffs in the interval. A scrub from when the data was generated describes a list that no longer exists.
What is the best angle on an aged record?
Renewal timing rather than the original enquiry. A merchant funded four to six months ago is approaching repayment and is receptive — which makes aged data a renewal list, and that is where the economics work.
Should a small floor buy aged data?
Generally no. A small team closing on fresh inbound will get more from fixing its speed and cadence than from adding volume it cannot work properly.
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.