MCA leads for trucking.
The highest-volume vertical in most lead sources and the most polarising among funders.
- Typical monthly revenue
- $30K–$180Kclustered at the lower end for owner-operators
- Typical advance
- $15K–$75K
- Exclusive, per lead
- $60
directional figures · every exclusive lead is over $30,000 a month in revenue and requesting over $15,000
Underwriting trucking.
What underwriters look at
- Receivables are the whole business. Factoring arrangements are common and a funder needs to know whether receipts are already assigned before advancing against them.
- Fuel is the largest variable cost and it moves. A month that looks weak may be a fuel spike rather than lost revenue, and saying so in the file matters.
- Equipment breakdowns produce sharp one-month dips followed by recovery. Unexplained they read as decline; explained they read as exactly what they are.
- Deposits often cluster around broker or factoring payouts rather than arriving daily, which makes daily remittance capacity harder to read from averages alone.
Why deals die
- An existing factoring agreement that already assigns the receivables
- Single-truck operations below the time-in-business floor
- Deposit patterns too lumpy for a daily remittance
- Authority revoked or safety rating problems surfacing in diligence
Funder appetite.
Genuinely split. Some funders will not touch trucking at any price after portfolio losses; others built relationships specifically for it and price competitively. Knowing which is which is most of the value a broker adds on these files — placing a trucking file with a funder who quietly does not want it produces a decline you generated.
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.
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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— Alex