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MCA leads by industry

MCA leads for liquor and convenience stores.

Enormous transaction volume, thin margins and a bank statement that needs interpreting more than any other vertical.

Typical monthly revenue
$40K–$300Kgross, with true margin a fraction of it
Typical advance
$20K–$70K
Exclusive, per lead
$60

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

Underwriting liquor and convenience stores.

What underwriters look at

  1. Lottery is close to a pass-through. Large sums in and large sums out, on margins of a few percent — a store looking like a $250,000-a-month business may be a $60,000 one once lottery is stripped.
  2. ATM replenishment cycles cash out of the account and back in, inflating both sides of the statement without any trade behind it.
  3. The liquor licence is often the most valuable asset the business holds and it is not usually pledged, which changes what a funder is actually secured against.
  4. Margins are thin enough that a holdback set off gross receipts can be a large share of actual profit. This is a vertical where the holdback percentage matters more than the factor.

Why deals die

  • Gross deposits that collapse once lottery and ATM flows are removed
  • Licence transfer or renewal issues surfacing in diligence
  • Holdback percentages that gross revenue supports and net margin does not
  • Existing supplier credit that already claims a share of daily receipts

Funder appetite.

Cautious but real. Funders who understand the vertical price it well because the receipts are genuinely daily and genuinely reliable. Funders who do not tend to either decline it or price off a revenue figure that is not real, which produces a deal the merchant cannot service.

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.

Book 15 minutes with Alex.

We will tell you straight up if we cannot help you.

Read this before you book.

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  • ✗We do not do commission deals.
  • ✓We require an upfront investment to work with us.

If you are not able to invest into getting more leads for your brokerage, do not book a call.

— Alex