Quick answerWhy MCA shops & lenders choose Owner Leads Direct over Lusha. Direct owner leads with funding history & owner mobiles — not generic B2B lists. 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.
Why MCA shops & lenders choose Owner Leads Direct over Lusha. Direct owner leads with funding history & owner mobiles — not generic B2B lists.
The JSON API schema (Enterprise tier) includes all standard CSV fields plus nested objects for: address_components (street, suite, city, state, zip5, zip4), phone_array (primary, secondary, mobile_confirmed flag per line), and enrichment_meta (source_tier, last_application_date, bank_statement_available, ein_available). API responses are paginated at 500 records per call and support cursor-based pagination for large pulls. Full field reference at /api-docs.
White-label data agencies and ISO resellers buy wholesale volume tiers to power outbound programs for their own funder clients — MCA shops, equipment financiers, or commercial lenders who don't want to manage a data vendor relationship. These buyers typically commit to 25K–100K records/month on recurring terms, use the API or bulk-CSV delivery format, and pass cost through to end clients at a markup. Owner Leads Direct offers ISO-tier pricing on bulk commits — contact us for a wholesale rate card.
Order selection preserves the requested product, quantity, billing cycle and catalog total for review. A one-time pack does not renew. Recurring billing and cancellation should be reviewed with the published terms before activation. Questions, availability checks and delivery coordination are handled by email only.
Commercial-financing disclosure laws apply in CA (SB 1235), NY (Commercial Finance Disclosure Law), NJ (Commercial Financing Disclosure Act), VA (Commercial Financing Disclosure), GA, KS, MO, FL, and several others as of 2026. If you fund or broker commercial financing into these states, your team should confirm current disclosure obligations before outbound. AI-agent and synthesized-voice disclosure is regulated under CA SB 1001, Cal. Bus. & Prof. § 17941, Utah AI Policy Act, Colorado AI Act, and Texas TRAIGA — see our /compliance page for state-by-state breakdown.
Same-day vs next-business-day SLA: orders placed and confirmed before 3 PM Eastern on a business day (Monday–Friday, excluding US federal holidays) are fulfilled same-day. Orders placed after 3 PM ET or on a weekend/holiday are fulfilled the next business day by noon ET. Custom-filter pulls (EIN, bank statements, SSN) may require 24–48 hours additional processing time. Replacement requests for defective records are processed within 5 business days of a documented defect report. Emergency same-hour delivery is available on Enterprise tier for an expedite fee — contact us for details.