Exclusive MCA leads, $60.One buyer. Live.

What is PayPerMerchant?

PayPerMerchant sells exclusive merchant cash advance leads to MCA funders, ISOs and broker shops at $60 per lead, delivered live to one buyer only. PayPerMerchant is a merchant cash advance lead seller, not a lender, funder, broker, ISO or payment processor, and it does not originate, underwrite or fund financing.

The company behind it is Tishin Wealth Group LLC, founded in 2026 and run from Brooklyn, NY. It sells one thing: a merchant cash advance application from an owner who asked for capital through an ad we paid for. One funder buys each record at $60.

PayPerMerchant sells merchant cash advance leads only. Not leads for business loans, not SBA, not equipment finance, not lines of credit.

We are paid a flat fee for the lead itself and never a share of an advance, so nothing here depends on how large a deal gets written.

Who runs it, where it is and what it does not do are set out on the about page.

What does an MCA lead cost here?

$60 a lead. Flat at every volume. No retainer, no minimum term, no monthly commitment.

The price does not move with volume: $60 on the first record and $60 on every record after it. No setup fee, no monthly platform fee, no ad budget on the buyer's side, because the advertising spend sits with us.

There is no minimum order. A funder can buy 1 record, work it and decide.

The reason a number is printed here at all is that in this category it usually is not. A price quoted only on a call cannot be held against the vendor a shop already pays. $60 can be.

What the $60 covers, and what it does not, is broken out on the pricing page.

Where do these merchant applications come from?

From our own ad account, on our own budget. Every ad asks a business owner whether he needs working capital, and we buy every click with our own money, so our spend buys the impression before a funder buys the lead.

Nothing is bought from a list broker, pulled off a UCC filing or taken from an aggregator, and nobody upstream of us holds a second copy of the record. One company runs the chain, from the ad impression to the record landing in your CRM, which is what makes exclusivity enforceable rather than claimed.

It also changes the first dial. The owner filled the form in himself because he wants capital, and he cleared all 9 gates below before the record was released.

What has to be true before a merchant becomes a lead?

9 gates, published in full below. A record that misses one does not become a lead, which is the difference between a qualification standard and an adjective.

Misses any of these? You don't pay.

The list is the buyer's filter as much as ours. A field under its published minimum means the record missed a gate, and that is a credit rather than a conversation.

What is actually in an MCA lead?

A merchant, not a name and a phone number. The record carries the owner's name and mobile number, the business name, the capital requested, time in business, annual revenue, monthly deposits with statements attached, FICO, open positions, and the consent captured at submission.

Every one of those fields carries a value that cleared a published gate, not a blank the buyer has to chase on the first call.

The record reaches your CRM about 50 milliseconds after the owner hits submit, with his phone already answered. Sold to 1 buyer. Resold never.

Every field, and the reason each one is on the record, is set out on what is in a lead.

Are these leads exclusive, or sold to more than one funder?

One merchant, one buyer, one time. A merchant cash advance application goes to 1 funder, is never shared with a second at the moment of sale, and is never resold later as aged data. Never, at any age and at any price.

That second half is where the word usually breaks down. A vendor can honour exclusivity on the day of the sale and still sell the same file into an aged list a quarter later.

Exclusivity is a line in a log you can audit, not a promise on a sales page. Every delivery is stamped and shows the single buyer it went to. A funder who wants that written into the agreement can have it there.

How fast do leads arrive, and where do they land?

The merchant hits submit and the record is in your CRM about 50 milliseconds later. Not a nightly CSV, not a portal to log into, not aged data resold.

The record is sent by an API call from our system into yours. Nothing is exported and nothing waits in a portal for somebody to fetch. If your CRM takes a webhook, it takes our records.

We publish the trigger rather than a turnaround in minutes, because a queue with a service level on it is still a queue: the record is released the moment the merchant's phone has been answered. It lands while the owner is still at his desk, in the same routing and the same dial list as everything else in your CRM.

The path a merchant takes from the ad to your CRM is set out on how it works.

What happens when a lead is bad?

One credit per lead you buy. A credit is spent when a real merchant lands in your CRM. If a lead comes through with a fake number or a junk name, mark it. The credit goes back. No time limit, no form, no argument.

There is no clock on the flag, and the absence of one is the term rather than an oversight. A record that reads as junk on day 5 was junk on day 1.

We guarantee the lead, not your closes. Contact rate, close rate and funded volume depend on your criteria, your states and your speed to contact, none of which we control.

Who already buys leads from PayPerMerchant?

No buyer is named on this page. PayPerMerchant was founded in 2026 and no funder has yet given written permission to use its name, so there is no logo wall here, no testimonial and no review score. A logo posted without that permission is a claim about somebody else's business.

When a buyer agrees to be named, the name and the date go here. Until then the published terms are what a funder can hold us to: 9 gates every record clears, 1 buyer per record, and a credit back on a lead that arrives dead.

Why would a funder switch from the vendor it uses now?

Because 4 things decide that answer, and all 4 are printed on this page: what a lead costs, who else gets the same merchant, what happens when a record is wrong, and who fronts the ad spend.

Pay per lead at $60 puts the advertising risk on the seller. A retainer leaves it with the buyer, who pays the same fee in a slow month as in a good one. Shared leads are cheaper per record because the same merchant is sold more than once, which turns the first call into a race. Aged applications are cheaper again and have already been worked. Running your own ads costs a media buyer and a budget before the first dial.

Switching costs one order. There is an agreement to sign, and it carries no retainer, no minimum term and no monthly commitment, so a shop can order once, judge the records in its own CRM, and stop.

The ways an MCA shop can source applications, ranked and compared against each other, are in the guides.

What do funders ask before the first order?

These 6 questions come up first, and the answers are the same here as they are on the phone.

The call itself is short. It sets where the records should land and what the buy box is: which states, which deal sizes, what a shop will and will not work.

14 more questions, answered at length, are on the FAQ page.

Last updated August 2026. Every figure on this page is one of our own published terms or a value tagged as a sample. What we will and will not publish is set out in the editorial policy.