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MCA leads by industry

MCA leads for manufacturing and wholesale.

Large advances, long cycles and the most legitimate use of working capital in this entire list.

Typical monthly revenue
$60K–$600K
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 manufacturing and wholesale.

What underwriters look at

  1. 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.
  2. Customer concentration is common and genuinely risky. Losing one account can end the receipts an advance draws against.
  3. 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.
  4. 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.

Why deals die

  • 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.

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.

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