9:42 AM. A merchant just got declined by their bank and needs $80,000 for payroll by Friday. Whoever answers first funds the deal.
An NJ HVAC contractor with $1.2M trailing revenue just got a “no” from their primary bank. They Google “fast business funding” and start dialing the top 5 results. Yours is one of them. If your line goes to voicemail or your dialer takes 4 hours to call back, the next ISO on their list pre-quals them, locks the deal, and earns 10–15% of the funded amount on a $80K advance — roughly $8,000–$12,000 in commission gone in the time it took for your VM to ring.
The MCA industry by the numbers
The US merchant cash advance and small-business alternative-funding market funds an estimated $25–30 billion annually across roughly 1,200 active funders and tens of thousands of independent ISOs and brokers. Bank decline rates for SMBs under $5M revenue remain elevated, and the same UCC and bank-statement triggers that signal “fundable” also signal that 50+ other brokers are already calling that merchant.
- $25–30B: Annual US MCA + alternative SMB funding volume
- $25K–$250K: Typical advance size, with $50K–$150K the primary funded range
- 10–15%: Standard ISO/broker commission on funded amount (paid by the funder out of buy-rate spread)
- 200–500 dials/day: What a typical broker desk has to push to keep a closer fed
- 3–7%: Live-answer rate on cold UCC and aged-lead lists
- The first ISO to a 3-pos merchant gets the deal — speed-to-contact is the entire moat
Common call types we triage
- Working-capital advance — payroll gap, vendor payment, AR squeeze. Highest volume, fastest close.
- Equipment / inventory funding — restaurant, trucking, construction. Often higher ticket, longer term.
- Tax-debt resolution funding — IRS or state tax liability. Specialty product, narrower funder appetite.
- Renewal / additional position — existing client wants a second or third advance. Easiest deal in your book.
- Reverse consolidation — merchant stacked on 3+ positions, looking to restructure. Complex, requires senior closer.
- Line of credit / term loan referral — borderline cases the AI hands off to your bank-product partners.
- Bad-fit / non-fundable — under $10K monthly deposits, heavy NSFs, recent bankruptcy. Captured + auto-tagged for nurture or referral, not handed to a closer.
What we deploy
- 24/7 voice AI answers in under 10 seconds, sounds like an experienced ISO, never sends a hot lead to voicemail
- Pre-qualification on the call — captures monthly deposits, time in business, industry, requested amount, existing positions, daily balances, and credit-band self-report
- Stip collection — sends the secure upload link by SMS for last 4 months of bank statements + driver’s license while the merchant is still on the phone
- Funder-fit logic — auto-routes the file to the closer who works the funder most likely to fund this profile (A-paper, B-paper, C-paper, niche)
- Position / stack check — flags stacked merchants (>2 active positions) for senior-closer review before any submission
- Restricted-industry filter — auto-screens for funder no-go lists (cannabis, firearms, adult, certain trucking, etc. — configurable per ISO shop)
- Closer escalation — books the live closer onto a calendar invite OR warm-transfers if a closer is logged in, with full call transcript pre-loaded
- SMS follow-up sequences — TCPA-compliant nurture for “thinking about it” merchants, with stip-completion reminders for in-flight files
- Zoho CRM integration — every call, transcript, stip status, and submission state logged automatically; aged-lead campaigns auto-fire at 30/60/90 days
- UCC + aged-list dial-out (optional) — outbound voice AI works your UCC and aged lead lists during business hours, hands warm conversations to your closers
Pricing
- Tier 1 — $2,997/month: Single ISO desk, inbound voice AI only, 1,000 minutes/month, pre-qual + stip collection, Zoho CRM logging, basic SMS nurture
- Tier 2 — $4,997/month: Multi-closer shop, inbound voice + chat AI, 3,000 minutes, funder-fit routing, position-check logic, stacked-merchant flagging, recurring renewal campaigns
- Tier 3 — $8,497/month: ISO shop with outbound, inbound + outbound voice AI on UCC/aged lists, 8,000 minutes, custom funder workflows, monthly reporting, A/B testing on opening scripts, dedicated implementation
Compliance
AHS deployments are configured for TCPA compliance and follow the MCA-specific commercial-financing disclosure regimes that apply in the merchant’s state — including California SB 1235, New York’s Commercial Financing Disclosure Law, and the equivalent regulations in Virginia, Utah, Georgia, Connecticut, and Florida. Outbound SMS is registered A2P 10DLC. Outbound voice runs only with documented prior express written consent. AHS provides the AI intake and dispatch technology — actual underwriting, funding decisions, contracting, and broker-of-record obligations stay with your licensed and registered staff and your funding partners.
Disclaimer
Outcome figures and commission ranges cited are industry observed ranges, not guaranteed results. Revenue capture depends on lead source quality, funder relationships, closer skill, market conditions, and the specific buy-rate / sell-rate spreads negotiated with funding partners. AHS provides AI-powered intake, qualification, and dispatch technology only — AHS is not a funder, ISO, broker of record, or licensed lender, and does not negotiate or contract MCA agreements.
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Book a 30-minute discovery call or call 201-719-5225.
