mca leads · from the public record
MCA leads from yesterday's UCC filings
The best MCA lead is a business that already takes financing. Every morning at 7am this feed delivers the UCC filings state offices accepted in the last 24 to 48 hours: the debtor business, the secured party, the city, and the filing type, with MCA and alt-fi funders classified and "as representative" shell filings flagged. In the last 7 days the Connecticut feed alone carried 953 filings, including 46 classified MCA or alt-fi positions and 190 SBA liens.
Latest MCA-relevant filings
live from the feedFresh filings beat aged UCC lists
Aged UCC lists are a commodity. They circulate for months, get resold to every broker in the market, and by the time you dial, the merchant has heard fifteen pitches. A filing from yesterday has been called by nobody. That is the entire product: same-week filings, classified by lender type, in your CRM before your first call of the morning.
What each lead includes
Debtor business name, secured party (lender), lender type (bank, credit union, SBA, equipment lessor, dealer captive, MCA funder, or representative shell), city and state, filing type (original, amendment, termination), filing date, and the lien lapse date. Lapse dates power a second signal: 90 days before a lien expires you get the name back as a refinance window.
Why are UCC filings good MCA leads?
A UCC-1 filing means a business just took secured financing. It proves the owner borrows, names the current lender and position, and gives you city and entity for skip tracing. Businesses with an existing MCA position are the core audience for consolidation, buyout, and second-position offers.
How fresh are these MCA leads?
Filings appear in the feed within 24 to 48 hours of state acceptance. Aged UCC lists resold by data brokers are typically 60 to 90 days old and have been dialed by every shop that bought them.
What is a representative filing and why is it flagged?
Many MCA funders file through Corporation Service Company or similar agents listed "as representative" to hide their name from competitors. The feed flags these shells, because a representative filing very often marks an existing MCA position worth a consolidation call.
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