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One buyer each
Never resold
Shared rows

MCA and business funding leads,
sold once,
to one buyer.

Get exclusive leadsRead the five checks

Most funding leads are one applicant sold to a panel, and the fastest dialer wins. Ours go to one funder or broker and are never resold. Live calls or real-time leads, consent on the record. Fail one of five checks: not sent, not billed.

What lands
on your desk?

A business owner who came to one of our consumer brands, backed by Google and Meta advertising, and asked about funding. They answered the questions first and agreed to be contacted. Then the call rings your team, or the lead posts in real time.

We are an advertising company. You own the underwriting, the offer and the deal. Price is agreed in writing before the pilot starts, with no retainer and no lock-in.

What every call and lead arrives with

  • A business owner who asked about working capital
  • Their own answers, word for word
  • Consent on the record
  • A live call or a real-time lead, your choice
  • Every call recorded
  • One buyer, never resold

Bought lead,
or one of ours?

Where it comes from
Bought lead: Lists, networks and other people’s websites, often a few hands from the person.
OptiMAX: Our own consumer brands and our own Google and Meta ads.
How many buyers get it
Bought lead: Several, often at the same moment.
OptiMAX: One. Never resold.
What you know before you speak
Bought lead: A name and a number.
OptiMAX: What the money is for, time in business, annual revenue, credit score band, average balance, and whether they have applied elsewhere.
Screened out before you see it
Bought lead: Nothing. Your team finds out on the call.
OptiMAX: Already funded elsewhere. Shopping around is flagged to you.
Consent
Bought lead: Given on a site you have never seen.
OptiMAX: Given when they asked for help. The wording and the time are kept.
What you pay for
Bought lead: Every lead delivered, whatever it turns out to be.
OptiMAX: Only what passes five checks and meets the billable event in your order. A disputed call is judged on the recording.
Price per lead
Bought lead: Usually lower. The same lead is sold several times, so each sale costs less.
OptiMAX: Higher per call or lead. Judge it on what each signed case, funded deal or policy costs you.
Volume on day one
Bought lead: Large volume straight away, from a network or a list.
OptiMAX: A pilot sized to the volume our advertising can hold in your states.

What that means at your desk

  • No race with other buyers for the same person.
  • Fewer dead dials: a real person, and a number that answers.
  • Every one asked to be contacted.
See a sample record →

Partner report · National MCA broker, 12 reps

Anonymised, partner-reported figures. Not audited by OptiMAX.

Cost per funded deal down about 60%

Before

  • Aged and shared lead lists, bought by the thousand each month.
  • 10 to 20% got approved and 2 to 4% funded.
  • Reps spent their days on dead numbers.

What changed

The broker moved to exclusive applications in real time, filtered before they reached the CRM: at least $15k monthly revenue, 6+ months in business, bank statements requested on the form.

After 60 to 90 days

  • 40 to 55% approval rate
  • 10 to 15% of applications funded
  • Cost per funded deal down about 60%
  • Average deal size $30k to $60k
  • First deal funded in about two and a half weeks
Read the case study

When do you pay,
and when don’t you?

Only for calls and leads that pass all five checks. A failed one is never sent. If one slips through, flag it and it is credited.

The five checks

  • Real & reachable. A real person, and a phone number that answers.
  • In their own words. Their answers travel with the call or lead, word for word.
  • Need stated. They tell us how much they need and how soon.
  • Not already funded. Not already funded for this need. Shopping around is passed on as context and does not stop it.
  • One buyer only. You get it. Nobody else does, and it is never resold.

One that fails a check never reaches you, and you are never billed for it.

Read the full standard →

What funders ask first

What you pay for depends on the model in your order

CPLPer call or lead
Billable once the call passes the engaged-call buffer.
CPQPer qualified unit
Billable when it meets the criteria you agreed with us.
CPAPer signed case
Billable when the case is signed.

Flag a disputed unit within 72 hours. Confirmed non-billable units are replaced. Unused prepaid balance is refundable. Credit and refund policy

How long do I have to dispute a call or lead?
72 hours from delivery. Send the delivery reference, the date and time, and the reason to mike@optimax-ai.com. Each request is checked against the delivery record, the recording where there is one, the consent record and your criteria, and you get a decision with the reasoning. Duplicates of anyone delivered to you in the previous 30 days are credited without you asking.
Do I get cash back for a bad one?
A unit confirmed as non-billable is replaced: it comes off your count and a qualifying one is delivered in its place. Delivered units are replaced rather than refunded in cash.
What happens to a prepaid balance I have not used?
It is refundable. Blocks are prepaid and can be paused. If you stop, any undelivered balance on your block is refunded on request, to the original payment method.
Are missed calls credited?
Credits cover calls and leads that fail the agreed standard. A call that reaches an unstaffed line or goes unanswered on your side, or a lead followed up late, is not credited.
Two minutes
Reply in one business day

Which states,
and how many?

Tell us where you fund, the volume you want and how you want it delivered. You get a straight answer on what we can supply.

What you want
How should it arrive?
Who you are

Prefer to talk first? Book a call with Mike.

Call +1 (855) 591-9197

Calls are recorded.