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Heads up to anyone considering Seamless.ai We paid $10k for 100,000 credits from Seamless and the quality was terrible from the start. We were exporting intent leads but hardly any of them were interested, and we saw more wrong numbers than we normally do with other lead lists or platforms. We stopped using the platform after a couple of weeks. Now after almost a year of not logging in we get hit with a $10k auto renewal charge we had no idea would happen. We reached out, kindly explained the situation and requested a refund. Two days till we got a response and they flat out refused. The frustrating part is that we genuinely wanted Seamless to work out - we've been trying to find a solid ZoomInfo alternative for years and the price point wasn't an issue at all. If the quality had been there we could easily go through over 100k leads a month and would have purchased more. Just wanted to share our experience with others who might be considering them.

So MCAs are likely sharia law compliant. I have a client who's looking for financing, but it needs to be sharia compliant, which could potentially limit the agreements on the front end for collections. Without going into details, has anyone here successfully funded a deal that has received the thumbs-up from a sharia advisor? I think I can get any regular MCA compliant, but I'd rather go with someone who's done it before.

Officially accepting 10 new iso partners! 10 is the limit currently for this onboarding promotion! This ensures a fast-funding process for all our current iso partners. **STOP WORKING WITH BACKDOOR SHOPS.** Stop sending your deals to shops that steal your clients, lack industry experience, and have no proven track record. **Adventure Funding Group is a DIRECT MICRO FUNDER** with years of industry experience, funding three categories of deals: ✅ **A & B Paper:** Low-risk, quality merchants. ✅ **C Paper:** Higher-risk merchants who meet our underwriting criteria. ✅ **Default Paper:** Considered under specific conditions when the merchant provides a reasonable explanation and fully discloses prior defaults **AT SUBMISSION NOT AT FINAL UNDERWRITING.** We believe in transparency, protecting our ISO relationships, and making real funding decisions. **Stop wasting submissions. Start working with an experienced direct funder.** **Adventure Funding Group** *Real Funding. Real Relationships. Real Experience.*

Daniel Flawless started a thread on boarding ISO'S in Promotions My name is Daniel, and I'm an ISO here at Flawless Capital Group, a direct lender in the MCA space. I wanted to introduce myself and explore the opportunity to sign up some brokers. As a direct lender, we're able to offer: - Funding across B through D paper - Terms up to 32 weeks - Rates as low as 1.32 on qualified files - Fast turnaround same day term sheets and funding within hours once documentation is complete We're currently expanding our broker network and looking to build relationships with active ISOs who want a reliable funding partner especially for files that may not fit elsewhere. I'd love to learn more about the deals you're currently working on and see if there's a fit. Email me at [email protected]. To talk more.

Good morning! I run Atlas Recovery, an MCA collections firm, and we are growing and taking on new clients. • Files worked from day one: UCC notices and merchant contact start immediately • UCC enforcement plus litigation coordination in multiple states at flat fees • 100% contingency for all standard services, so you pay nothing unless we collect • Weekly remittances so you get your money back faster! We're offering introductory pricing for new clients pm or email me for details! Send me a few files they haven't moved and judge us on results. DM me or call (913) 717-6281 | [email protected] Layton Everhart, Atlas Recovery www.atlas-recovery.com

The future of fintech is coming......

I have a merchant who has taken revenue through Square deposits into their personal bank account. They opened the business bank account this month and only have Oct MTD, but can show Square deposits for the prior 3 months in the personal statements. Credit is 550, and they are looking for 15k. Are there any direct lenders that can fund using the personal statements, business account mtd for the first month, and Square statements? Direct lenders only, and thank you.

Here is why it feels impossible for you to get merchants' attention in 2026: Almost all business online is about distribution and marketing. This means you need to get the attention of your target client: Historically MCA has faced struggles getting in front of clients doing things like cold calls and cold emails. But this is something that has slowly become less effective because of algorithms in email inboxes. Gmail is used by the majority of folks. And since that is the case, google holds a monopoly on peoples attention when it comes to email as a medium to reach potential clients. Gmail has been adding algorithmic filters to prevent certain types of emails from hitting primary inboxes. Let's look at cold calling. Did you know that big tech and AI have added features on most peoples phones that auto block your number from even ringing the guy if you're a "suspected spammer"? And even when it does go through, the caller ID will show up as suspected spammer. These big tech oligarchs have over the last decade or so set systems in place to monopolize peoples attention spans so that if you want clients or customers you must go through them. They've been targeting all forms of communication. What this means is that its very hard not to play their game now. You can go on Craigslist and go knock door to door on business's front doors and see how that pans out for you (probably not an efficient use of your time). Think about it: YouTube? The algorithm determines who sees who. Tiktok? An algorithm again. Instagram and Facebook? Another algorithm. Google search engine? Another algorithm. Chatbots? This is where everyone's attention is at currently... And even these have algorithms. They call it AEO, short for Answer Engine Optimization. So what's the way to get around this? My suggestion: stop fighting them. They have way too much money behind them. Go with the flow. ChatGPT Ads is newly out, I'm using it to generate leads for clients as we speak. I want to chat with you about how I can help your shop generate quality deals using ChatGPT Ads, or one of these other platforms. We will run your offer on the platform, drive it to a funnel that works and generates quality deals. And get you booked calls with merchants who want to take money from your company specifically (not some generic leads that answer the call saying "who?" when you get them on the phone). You call them already having permission to get them the funds. They're pre-sold on the offer, you don't have to bust your balls to hard sell them once you get an offer out. https://lendnet.io/proven-system Watch my case study and book a call.

I'm looking to connect with **MCA brokers, ISO shops, and lead generators** interested in building long-term referral partnerships. I work with **SwipeSaving**, where we help business owners lower or eliminate their credit card processing fees. If you're sitting on declined MCA deals, old merchant leads, or businesses that need better processing rates, there's an opportunity to turn those connections into an additional revenue stream. **What we offer:** - Referral commissions ranging from **25%–40%**, depending on deal flow - Recurring residual income from qualified merchants - Free credit card terminals with our Dual Pricing program - Competitive processing rates - No long-term contracts - Split Funding options for qualifying merchants - We handle merchant onboarding and processing setup **I'm not looking for one or two deals. I'm looking to build relationships with partners who can consistently generate merchant traffic and grow together.** If you have merchant leads or an existing book of business, let's discuss how we can monetize those opportunities. Feel free to message me directly or give me a call. **Darius Lewis** SwipeSaving 954-343-6567 6501 Congress Ave Boca Raton, FL 33487 [email protected]

Looking to scale your MCA business without the overhead of building a large in-house team? Cap Prime Source provides flexible and cost-effective MCA support services to help funding companies manage their sales pipeline and deal processing. 📞 MCA Calling Support Dedicated outbound calling agents Merchant qualification and follow-ups Application assistance and bank statement collection Lead re-engagement 🔥 Qualified Leads & Live Transfers Qualified merchant leads Live transfers based on your requirements 📊 MCA Backend Support Our team can handle the operational side of your deals, including: Bank statement scrubbing Deal evaluation and lender matching Preparing and submitting files to lenders Lender follow-ups CRM management and deal updates Offer and decline updates Contract requests and documentation Complete deal processing 💰 Flexible Pricing Calling and backend resources typically range from $6–$10 per hour, depending on the role and requirements. Lead and live transfer pricing is discussed separately. Whether you need calling agents, live transfers, backend processing or a combination of services, we can tailor a solution to your business. 🌐 Website: https://capprimesource.com 📧 Email: [email protected]

Looking to scale your MCA business without the overhead of building a large in-house team? Cap Prime Source provides flexible and cost-effective MCA support services to help funding companies manage their sales pipeline and deal processing. 📞 MCA Calling Support Dedicated outbound calling agents Merchant qualification and follow-ups Application assistance and bank statement collection Lead re-engagement 🔥 Qualified Leads & Live Transfers Qualified merchant leads Live transfers based on your requirements 📊 MCA Backend Support Our team can handle the operational side of your deals, including: Bank statement scrubbing Deal evaluation and lender matching Preparing and submitting files to lenders Lender follow-ups CRM management and deal updates Offer and decline updates Contract requests and documentation Complete deal processing 💰 Flexible Pricing Calling and backend resources typically range from $6–$10 per hour, depending on the role and requirements. Lead and live transfer pricing is discussed separately. Whether you need calling agents, live transfers, backend processing or a combination of services, we can tailor a solution to your business. 🌐 Website: https://capprimesource.com 📧 Email: [email protected]

🔥 *HOT BUYING LEADS AVAILABLE* 🔥 We generate *100% Hot, Direct Customer Enquiries* for Peptides & Other High-Risk Niches. ✅ Real Buyer Intent ✅ Direct to YOUR WhatsApp ✅ No Bot, No Fake Clicks Stop chasing cold leads. Start closing hot customers. 👉 DM Now for Samples & Pricing 📲 WhatsApp: +1 (323) 943-0054

Funding from $10K to $3M in all 50 states, with 45-minute decisions on clean files. Buy rates start at 1.30, and ISO commission is 15%, paid every Monday. Guidelines are attached. Submit deals to [email protected] and CC [email protected]. Questions? Call Ezra S at 347-353-9993. 95 Chestnut Ridge Road, Suite 203, Montvale, NJ

Lead Generators, ISOs, and Direct Funders struggle because they're all working together upfront... ...but trying to knock each other unconscious with a brick to the head, behind the scenes, fighting for the same merchant. Most marketing channels are already well known: Google (Bing, Yahoo) Facebook Email SMS Power Dialing Affiliate Marketing Fringes like Social Media or pricey Enterprise Software They've all pretty much matured and are now flooded by: -People more skilled than you -People who spend 100X more money than you -People who have been doing it longer than you, and have more domain, keyword, and shared link authority Even when you know what you're doing, these are still your typical NUMBERS: -50% of merchants don't qualify -30% of merchants are shared leads because they took money somewhere else before -20% are decent and fundable, but they're not truly exclusive either, because they filled out your form and a few other forms, and some of those other forms were lead generators, so now they're on additional forms, and boy that clock is ticking. IT USED TO BE MUCH EASIER HAVE A DECENT TO STRONG RENEWAL BOOK. IT WAS MUCH EASIER TO HAVE A HIGHER LIFETIME VALUE OF A MERCHANT. You still can do this of course but it takes a whole lot more work. more relationships, more being on top of your merchants, more defense, and a completely different customer acquisition strategy. IF EVERYONE HAS ACCESS TO THE SAME MEDIA CHANNELS YOU DO, EVERYONE HAS ACCESS TO YOUR BOOK. I've always found the best lead was a REFERRAL. There's a trust implied, as you were recommended. The person who referred the business to you, usually knows your wheelhouse and understands that he'd be a great fit for you, revenue and situation wise. 40% of all business financing in the US is either done face to face or off a referral. Referrals are usually very difficult to be shared.... the merchant didn't go online looking for money, so he's not sitting in someone's folder, getting flipped 10 times a month. And he's usually not a fan of cold calls (shout out to the brokers who excel at turning cold merchants into warm merchants). This type of lead will usually be the highest quality client you will find, (outside of a family member business owner working with you directly.) The one and only problem with referrals was... they're almost impossible to scale. The very few unicorns that do it successfully, took a LONG time and a rather pristine reputation (very few are the mistakes you are allowed to make) and a sustainable strategy. What if you could BORROW the Reputation of an entity like a Fortune 1000 company.. ...do it in under a week... ...and be at the point that you're cherry picking business, and politely turning the rest away...? www.TheFourthLedger.com

Busy Sushi Resturant looking for 4th position- 120k+ monthly rev- recent default and payment mod with 2 lenders- Please message for more details if interested