PPC Leads
PPC (pay-per-click) MCA leads are merchant records generated through paid search campaigns on Google Ads, Bing Ads, or similar platforms — typically targeting keywords like 'business loan,' 'merchant cash advance,' or 'working capital' — with cost-per-lead driven by keyword competition and landing page conversion.
Why This Matters
PPC is the primary fresh-lead generation channel for MCA. Cost-per-click on top MCA keywords ranges $20–$80, with landing-page conversion of 5–15% producing cost-per-lead of $150–$600. Funders and large ISOs run PPC at scale; smaller shops typically buy PPC-generated leads from aggregators rather than running campaigns directly. Quality is high because PPC respondents have actively searched for funding — but competition is fierce, and ad-platform compliance restrictions on MCA-related claims have tightened significantly since 2022.
Frequently Asked Questions
Frequently Asked Questions
Why are PPC MCA leads so expensive?
MCA keywords have high commercial intent and limited inventory — 10+ funders bid on the same keywords, driving CPC into the $20–$80 range. The downstream lifetime value of a funded merchant ($5,000–$50,000+ commission) supports the high acquisition cost.
Are MCA ads allowed on Google?
Yes, but with restrictions — Google's financial services policy requires MCA advertisers to disclose APR-equivalent costs prominently, avoid deceptive 'free money' claims, and accept restrictions on certain audience targeting. Compliance failures can result in account suspension.