MCA Renewal Leads — Merchants 60–90 Days From Payoff

Renewal is the single highest-converting MCA play. A merchant who took a $50K MCA six months ago, is current on payments, and has 60–90 days of holdback remaining is the cleanest re-funding profile in the industry: known revenue, known repayment behavior, known appetite for the product. They convert at multiples of cold UCC data because the second "yes" is structurally easier than the first.

MCA renewal leads are filtered to that exact window. We start with UCC filings aged 4–6 months (typical 6–9 month MCA term), layer on industry verticals where renewal cadence runs predictable (restaurant, trucking, construction, auto repair), and remove merchants who already filed a second-position UCC (which indicates they've already stacked or re-funded with someone else).

This product is built for renewal desks at established MCA funders, ISO shops with funder relationships looking for second-position files, and brokers who specialize in next-position capital rather than first-time funding.

What You Get

  • 4–6 Month Aged UCC Cohort: Filtered to the renewal sweet spot — past the 90-day cooling period but still inside typical MCA payoff window.
  • Single-UCC-Only Filter: Excludes merchants with a second-position UCC already filed — focuses on funders who can still claim first-position renewal.
  • Industry Vertical Filtering: Filter to verticals where renewal cadence is predictable — restaurants, trucking, construction, auto repair, retail, healthcare.
  • Original Funder Identification: Where the UCC carries the funder name, we surface it — useful for renewal desks targeting merchants from competing books.
  • Owner Mobile + Email: Direct owner contact for renewal outreach — not the office landline.
  • Revenue Estimate Band: Original funding amount + typical factor rate produces a renewal-amount estimate band on every record.

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Pricing and Availability

Compare approved pack sizes and prices or request a sample and written availability review. Custom filters and exclusivity require a quote. A request does not place an order.

Frequently Asked Questions

How do you identify renewal-ready merchants?

We start with the public UCC-1 filing date, filter to 4–6 months aged, then exclude any merchant who has a second-position UCC filed after the first. That signature isolates merchants inside the renewal window who have not yet re-funded.

Are these renewal leads exclusive?

Standard inventory is non-exclusive. Renewal-window UCC data is finite each month, so distribution is capped at 3 buyers per record — tighter than our 4-buyer standard on broader inventory.

Can I exclude merchants funded by specific funders?

Yes — we maintain a funder-exclusion list. If you compete with a specific funder and want their book excluded, send the funder list and we'll suppress those UCCs from your delivery.

What's the typical conversion rate on renewal leads vs cold UCC?

Renewal-cohort UCC data converts at 3–5× cold UCC data because the underwriting risk is partially priced in by the merchant's first MCA performance. Exact lift depends on your underwriting box.

Are renewal leads delivered exclusively or in bulk drops?

Both. Subscription plans receive weekly drops sized to your renewal-desk capacity. Pay-as-you-go buyers can purchase 500–25,000 record blocks in the Aged MCA Submissions individual-pack tier.

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