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MCA leads by industry

MCA leads for landscaping.

The most seasonal vertical that still funds well, and the one where timing the submission matters most.

Typical monthly revenue
$30K–$180Kin season, far lower out of it
Typical advance
$20K–$75K
Exclusive, per lead
$60

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

Underwriting landscaping.

What underwriters look at

  1. Seasonality is not a red flag here, it is the business. What matters is whether the file shows a full cycle or only a slice of one, and whether anyone explained which.
  2. Snow removal contracts carry many northern operators through winter and completely change the annual picture. A landscaper with plough contracts is a year-round business; one without is not.
  3. Equipment is capital-intensive and frequently financed, so prior liens across mowers, trucks and trailers are common.
  4. Commercial contracts pay on net terms while residential pays on completion, so the mix decides how quickly revenue becomes cash.

Why deals die

  • Four months of statements drawn entirely from the off-season
  • No winter revenue and no reserve to service a daily remittance through it
  • Equipment finance already secured across the fleet
  • Commercial receivables on long terms with no visible collection history

Funder appetite.

Reasonable in season and thin out of it. The practical reality is that funders price the same business differently in May and December, which is one of the few places where when you submit is worth real money to the merchant.

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