Quick answerFree DSCR calculator. Compute debt service coverage ratio from NOI and total debt service. Used by SBA, commercial real estate, and equipment lenders. Owner Leads Direct delivers verified business-owner contact data — owner mobile phones, email, revenue band — across 50+ industries and all 50 US states. Free sample list available before any commit. Same-day CSV delivery during business hours.
Free DSCR calculator. Compute debt service coverage ratio from NOI and total debt service. Used by SBA, commercial real estate, and equipment lenders.
The standard field schema includes: owner name (first + last), business name, primary phone, secondary phone (where available), email, mailing address (street, city, state, ZIP), industry SIC/NAICS, revenue band, employee count band, year founded, funding-application flag, and a record-recency timestamp. Pro-tier and Enterprise pulls add: mobile-confirmed phone flag, last-funded-product type (MCA, equipment, term loan), bank-statement availability flag, and EIN where the record originated through MCA application activity.
Digital retargeting agencies and direct-mail houses buy CSV pulls to build custom audiences and EDDM mail lists. Owner email enables upload to Meta, LinkedIn, and Google Customer Match for programmatic targeting at the decision-maker level — bypassing gatekeepers entirely. Direct mail buyers use the USPS-CASS-validated mailing address to run EDDM or NCOA-processed letter campaigns targeting specific ZIP codes or revenue bands within a city or county.
Recurring plans provide stated monthly allocations. Quarterly billing covers three months of those allocations, rather than tripling the monthly allotment. The full three-month charge and savings against three monthly payments are shown before selection. Availability, permitted use and distribution timing are confirmed by email before activation.
TCPA litigation risk: the Telephone Consumer Protection Act (TCPA) creates per-call statutory damages of $500–$1,500 for non-compliant outbound contact. Key requirements for B2B calling: calls to business numbers using an ATDS or artificial/prerecorded voice require prior express consent unless the B2B exemption applies. The B2B exemption covers calls to a business line where the call is related to an existing business relationship — but courts have construed this narrowly. We recommend your legal team review consent posture before deploying any AI-voice or ATDS-based outreach using our data.
API delivery (Enterprise tier): pulls are available via a REST endpoint returning paginated JSON at 500 records per call. Authentication uses API-key-in-header (X-Api-Key). The endpoint supports filter parameters for state, city, zip, NAICS, revenue_band, source_tier, mobile_confirmed, and record age range — so your platform can pull filtered subsets programmatically without generating a new CSV export each time. Rate limit: 60 requests/minute per key. Full OpenAPI spec at /api-docs.