How construction underwrites
What differs here from the general order underwriters work in.
- Deposits are project-shaped: three large ones in a month rather than sixty small. Averages mislead and the funder is reading the pattern, not the total.
- Retainage means a portion of completed work is held back, so revenue on paper is ahead of cash in the account.
- Mechanics lien rights and existing UCC positions interact in ways that matter more here than elsewhere.
- A single large customer concentration is common and is a genuine risk factor, not a technicality.
The general order underwriters work in is covered in what funders actually look at. The points above are what differs here.
Why construction deals get declined
Screen for these on the first call.
- Customer concentration — one client representing most of the revenue
- Deposit irregularity that cannot be tied to identifiable projects
- Existing positions against the same receivables
- Seasonal shutdown months in the statement window
Funder appetite
Which funders want this paper, and when.
Good, particularly for larger files. The deal sizes are attractive and the underlying receivables are real. Funders differ most on how they treat customer concentration, which is worth knowing before you place.
Seasonality
Regional and severe. Northern contractors have months where almost nothing happens, and a four-month window covering a winter shutdown tells a story the business would not recognise.
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 construction, 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 construction leads typically show?
$50K–$400K/month, with a long tail above, with advances typically landing at $40K–$200K. Every exclusive lead clears the same 7 minimums regardless of vertical.
Can I get only construction leads?
Weighted toward construction, yes, where volume allows; a guaranteed order of only construction 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 construction deals get declined most often?
Customer concentration — one client representing most of the revenue, most commonly. The others worth screening for on the first call are deposit irregularity that cannot be tied to identifiable projects, existing positions against the same receivables, seasonal shutdown months in the statement window.
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
$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
$80K–$700K/month gross, with margin a small fraction of it