How loan brokers and ISOs build deal flow without buying leads

Business loan brokers and MCA ISOs find clients through a handful of channels, and most shops mix several:

• Bought leads. Aged leads, real-time web leads, live transfers and bank statement submissions from lead vendors.
• Referral partners. Accountants, bookkeepers, equipment dealers, business brokers and commercial real estate agents who send clients your way.
• Renewals and past clients. Owners you funded before, and applicants who were declined or went quiet.
• Outbound. Email or calls to businesses that fit the deals you place, before they start shopping.
• Search, content and social. Slower to build, but leads arrive with no per-lead cost.

Renewals and referrals are the cheapest deals a broker gets. Bought leads and outbound are the two channels you can scale on demand, so the real choice for most shops is between them.

A shared lead is sold to several shops, so the owner gets a run of calls within minutes and picks whoever is fastest or cheapest. Live transfers and "exclusive" leads cost more, and exclusivity is hard to verify. Aged leads are cheap because many shops have already worked them.

The result is that brokers compete on speed and rate for owners who were often never a great fit. Our guide to aged, live transfer and exclusive MCA leads compares each type in detail.

1. You define your buy box. The industries, revenue, time in business, states and products you place deals for: MCA, equipment, SBA, term, working capital or lines of credit.
2. We map every business that fits. Not just the owners filling in forms today.
3. We find the owner and verify the email. The person who decides on capital at each business.
4. Emails go out under your brokerage's name. From domains and inboxes set up and warmed for you, with copy you approve.
5. Every business hears from you every 60 days. With an extra touch when it shows a signal such as new equipment, hiring or expansion.
6. Interested owners come to you. With a mobile number, in your CRM, so your team calls while they are warm.
7. You place the deal. With whichever funders you already work with. We take no commission and never contact your funders.

Brokers and ISOs get the same plans as lenders: $2,500, $3,000 or $3,500 a month for 10,000, 15,000 or 20,000 businesses, month-to-month with no setup fee. See the pricing page.

Judge it on commission per funded deal. For example, if your average commission is $5,000, one funded deal a month covers the Starter plan twice over. Compare that with what bought leads cost you per funded deal using the lead cost calculator.

Good broker outreach is short, specific to the business, and honest about who you are. Say you are a broker or ISO who places funding with several providers, not a direct lender. Avoid promises such as "guaranteed approval" or quoting rates before you have seen the file.

Every email must follow the CAN-SPAM Act: an honest sender and subject line, a physical address and a working opt-out. Our compliance page covers how Tentt Finance runs outreach.

Outreach suits established brokers and ISOs with funder relationships, a clear buy box and someone to call interested owners quickly. It is not a fit if you need deals this week, since new domains need 2 to 3 weeks of warmup, or if you are still setting up your first funder relationships.

For the full picture of how the service works, read done-for-you outbound for lenders and brokers.