I agree that calling UCCs is a rough business and I would certainly never advocate cold calling from the Yellow Pages. That's why I do neither. My company has a different value proposition to offer merchants compared to the other ISOs here so my pitch is very different. Cash advances and business loans only comprise 20% of my company's revenue. The rest comes from assorted business services (website development, SEO, brand management). I've found a niche that works well for me and that gives me a leg up on your average cold calling MCA broker.