How independent auto dealers underwrites
What differs here from the general order underwriters work in.
- Floor plan financing is a prior secured position over inventory. It rarely appears as an MCA position and always matters, so it has to be asked about directly.
- Gross deposits are enormous relative to profit. A dealer banking $400,000 a month may earn $40,000 of it, which makes a holdback set off gross receipts dangerous.
- Buy-here-pay-here dealers hold their own paper, so their receivables are consumer notes with their own default profile rather than cash from sales.
- Title and registration flows move money through the account that belongs to the customer or the state, not the dealer.
The general order underwriters work in is covered in what funders actually look at. The points above are what differs here.
Why independent auto dealers deals get declined
Screen for these on the first call.
- Floor plan facilities with blanket coverage over inventory
- Gross-to-net gaps that make the holdback unserviceable
- Buy-here-pay-here portfolios with unclear collection performance
- Licensing or bonding issues surfacing in diligence
Funder appetite
Which funders want this paper, and when.
Narrow and specialist. A minority of funders write this vertical properly; the rest either decline it or price off gross revenue in a way that produces a deal the dealer cannot carry. Knowing which desks genuinely take auto dealers is most of the value on these files.
Seasonality
Tax refund season is the single biggest event — February through April is materially the strongest stretch for independent and buy-here-pay-here dealers, because down payments arrive with refunds. Late summer is the trough.
How we handle verticals
Leads are assigned in rotation off live traffic, not picked from a menu — we cannot promise a pure order of any single industry. What we can do is tell you honestly whether the volume exists to weight your leads toward independent auto dealers, before you spend anything.
Exclusive-lead minimums
Every exclusive lead clears all of these, whatever the vertical. The minimums apply to exclusive leads only.
- Over $30,000/month in revenue
- Requesting over $15,000
- 6+ months in business
- 4 months of bank statements available
- U.S.-based
- Mobile-verified by 6-digit code
- Complete contactable record
Questions
What revenue do independent auto dealers leads typically show?
$80K–$700K/month gross, with margin a small fraction of it, with advances typically landing at $25K–$100K. Every exclusive lead clears the same 7 minimums regardless of vertical.
Can I get only independent auto dealers leads?
Weighted toward independent auto dealers, yes, where volume allows; a guaranteed order of only independent auto dealers leads, no — leads are assigned in rotation. They come off live traffic rather than a menu, so a pure single-industry order is not something we can honestly promise. Weighting needs the volume to support it, and we will tell you plainly before you order whether it does.
Why do independent auto dealers deals get declined most often?
Floor plan facilities with blanket coverage over inventory, most commonly. The others worth screening for on the first call are gross-to-net gaps that make the holdback unserviceable, buy-here-pay-here portfolios with unclear collection performance, licensing or bonding issues surfacing in diligence.
How much do the leads cost?
Exclusive, mobile-verified MCA leads run $65–$120 on the open market (checked 29 August 2026). Ours are $60 each, sold to one broker. Shared leads are $40 and aged leads are $0.35. Live submission data is quoted directly. Every band on the market, and the cost per funded deal, is in how much MCA leads cost.
Full pricing and the market context is on the buy page. The other three products have their own pages: shared MCA leads, aged MCA leads and live submission data.
Other verticals
$30K–$180K/month, clustered at the lower end for owner-operators
$25K–$120K/month for independents
$50K–$400K/month, with a long tail above
$60K–$300K/month
$30K–$200K/month
$40K–$250K/month
$30K–$150K/month for independents, higher for multi-bay collision
$50K–$500K/month, scaling fast in either direction
$30K–$90K/month for a single location
$40K–$300K/month gross, with true margin a fraction of it
$30K–$120K/month for independents and single-location studios
$30K–$180K/month in season, far lower out of it
$60K–$600K/month