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MCA leads by industry

MCA leads for restaurants.

High card volume, thin margins and heavy seasonality.

Typical monthly revenue
$25K–$120Kfor independents
Typical advance
$10K–$60K
Exclusive, per lead
$60

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

Underwriting restaurants.

What underwriters look at

  1. Card volume is usually a large share of deposits, which makes remittance capacity unusually legible in the statements.
  2. Margins are thin, so a remittance that looks affordable against revenue can be unaffordable against profit. This is the vertical where an oversized advance does most damage.
  3. Multiple locations are frequently run through one account, which inflates apparent revenue for a single-site file.
  4. Delivery platform payouts arrive on their own schedule and can make deposit patterns look irregular when the underlying trade is steady.

Why deals die

  • Negative days, which are more common here than in almost any vertical
  • Seasonal closures reading as failed months
  • Margins too thin to absorb the requested remittance
  • Recent opening — the failure rate in the first two years keeps floors high

Funder appetite.

Broad. Most funders take restaurant paper and many price it well, because card receipts are predictable and the collection mechanism fits. The constraint is usually deal size rather than willingness.

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

— Alex