Live Transfer MCA Leads
Live transfer MCA leads are pre-qualified merchant prospects who are transferred directly to a funder or ISO over the phone in real time after a vendor's call center has confirmed funding intent and basic qualification criteria.
Why This Matters
Live transfers are the highest-cost, highest-conversion MCA lead category. The vendor's screener confirms the merchant is a US business owner, hits revenue and time-in-business minimums, and is genuinely seeking funding — then transfers the live caller to your funder or ISO. Conversion rates on quality live transfers can hit 15–30% to funded, versus 1–3% for cold dials. Pricing typically runs $80–$250 per transfer, with quality varying enormously by vendor. Best practice: define exact qualification criteria in the contract, record every transfer, and audit transfer-to-funded ratios monthly to catch vendors sending unqualified merchants.
Frequently Asked Questions
Frequently Asked Questions
What qualification criteria should live transfers meet?
Standard floors: $15K+ monthly revenue, 6+ months in business, US-based, accepts credit cards or has business bank account, owner is on the line and aware of the transfer, and not in a restricted industry (firearms, adult, cannabis depending on funder).
How do I detect bad live transfers?
Track funded-deal rate per vendor monthly. If a vendor's transfer-to-funded ratio falls below 8–10%, the screener is letting unqualified merchants through. Listen to recorded calls and compare against your contracted criteria.