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MCA leads by industry

MCA leads for construction.

Receivable-heavy, project-driven and chronically cash-gapped.

Typical monthly revenue
$50K–$400Kwith a long tail above
Typical advance
$40K–$200K
Exclusive, per lead
$60

directional figures · every exclusive lead is over $30,000 a month in revenue and requesting over $15,000

Underwriting construction.

What underwriters look at

  1. 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.
  2. Retainage means a portion of completed work is held back, so revenue on paper is ahead of cash in the account.
  3. Mechanics lien rights and existing UCC positions interact in ways that matter more here than elsewhere.
  4. A single large customer concentration is common and is a genuine risk factor, not a technicality.

Why deals die

  • 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.

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.

Whatever the industry.

All exclusive leads meet the following criteria

  • Over $30,000 a month in revenue
  • Requesting over $15,000
  • One year or more in business
  • 600+ credit score
  • No previous defaults
  • Under 5 positions
  • U.S.-based
  • Mobile verified by 6-digit code

A lead that misses any one is never sent and never billed.

By industry.

All industries →

Questions.

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— Alex