Funding Call
A funding call is the recorded verification call between the funder and merchant immediately prior to wire transfer — confirming merchant identity, deal terms, and authorization — required by funder operations and TCPA risk management standards.
Why This Matters
Funding calls serve dual purposes: operational verification (confirming the merchant is real, available, and aware of the funding event) and compliance documentation (creating a recorded verification of consent to deal terms). Standard funding call scripts confirm: merchant identity (name, business, address verification questions), deal terms (advance amount, payback, payment amount, frequency), banking information for wire delivery, and any program-specific authorizations. Calls are recorded and stored as part of the funder's deal documentation. Funding-call no-shows or refusals are common deal-cancellation triggers.
Frequently Asked Questions
Frequently Asked Questions
What happens if a merchant won't take the funding call?
Funding cannot proceed without verification call completion. Most funders allow 24-72 hour scheduling windows; persistent unresponsiveness results in deal cancellation. ISOs typically pre-coordinate funding call timing with the merchant to minimize this risk.
How long does a typical MCA funding call take?
5-10 minutes for standard deals. Longer (15-30 minutes) for higher-amount deals, multi-position deals, or deals with complex stipulations. Calls are scripted and verification-focused — not sales conversations.