Too much competition, most merchants you will be calling on those lists have MCA experience taking one or rejecting offers. Like FUNd said the days of just setting up a phone line with leads is gone. You need to find a niche or advertise/market yourself in someway. There is still money to be made but the industry is changing constantly instead of trying what everyone else is doing why not try to find a better way to do it, I can tell you even the industry leaders are thinking whats next always in MCA. So nothing is set in stone yet.