How manufacturing and wholesale underwrites
What differs here from the general order underwriters work in.
- The cash conversion cycle is the whole story: materials out, production, delivery, then net-30 to net-90 before money arrives. A statement showing large outflows ahead of large inflows is the business working, not failing.
- Customer concentration is common and genuinely risky. Losing one account can end the receipts an advance draws against.
- Inventory is a substantial asset that a blanket lien will reach, and it is frequently already pledged to an asset-based lender or a supplier.
- Deposits are few and large rather than many and small, which is the deposit pattern that reads worst to an underwriter pattern-matching on daily card volume.
The general order underwriters work in is covered in what funders actually look at. The points above are what differs here.
Why manufacturing and wholesale deals get declined
Screen for these on the first call.
- One customer representing the majority of revenue
- An existing asset-based facility with a prior lien over inventory and receivables
- Deposit counts too low to support a daily remittance model
- Purchase order finance already in place against the same contracts
Funder appetite
Which funders want this paper, and when.
Genuinely good among funders who write larger paper, and poor among those built for daily card-volume merchants. This is the vertical where placement matters most, because the same file gets a strong offer from one desk and an automatic decline from another.
Seasonality
Varies entirely by what is being made. Consumer goods manufacturers build into the third quarter for holiday retail and go quiet in the first; industrial suppliers track their customers’ capital cycles. Ask what they make before assuming anything about the pattern.
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 manufacturing and wholesale, 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 manufacturing and wholesale leads typically show?
$60K–$600K/month, with advances typically landing at $40K–$200K. Every exclusive lead clears the same 7 minimums regardless of vertical.
Can I get only manufacturing and wholesale leads?
Weighted toward manufacturing and wholesale, yes, where volume allows; a guaranteed order of only manufacturing and wholesale 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 manufacturing and wholesale deals get declined most often?
One customer representing the majority of revenue, most commonly. The others worth screening for on the first call are an existing asset-based facility with a prior lien over inventory and receivables, deposit counts too low to support a daily remittance model, purchase order finance already in place against the same contracts.
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
$80K–$700K/month gross, with margin a small fraction of it