[Montague]

I ask them how quickly they need the funds. If they say there's really no rush, I give them my contact info and move on. If they say they need the funds ASAP then that's your opening.

I gotta +1 to this. Also want to say, i generate my leads online so I usually start these conversations with: "Mr. Merchant if you are working with your bank and like their terms, why are you searching online for alternatives" It either smokes out the red flags, or saves my time on the phone.