Shared MCA Leads
Shared MCA leads are merchant records sold to multiple buyers — typically 3-8 funders or ISOs receive the same lead simultaneously — driving down per-record price but increasing competition for the merchant's attention and conversion.
Why This Matters
Shared leads dominate the lower price tiers of the MCA lead market. A merchant who fills out a funding form on an aggregator site is typically auctioned to 3-8 funders within minutes. The economics shift everything: when six funders call within an hour, the first to reach the merchant has a 2-5x conversion edge over the rest. Speed-to-lead matters more than script quality on shared leads. Many shops route shared leads through auto-dialer systems within 60 seconds of receipt and back-end the slower follow-up workflows entirely on aged inventory.
Frequently Asked Questions
Frequently Asked Questions
How many vendors typically share an MCA lead?
Aggregator-sourced shared leads typically go to 3-8 buyers. Some vendors disclose the share count in pricing tiers (1-share = exclusive, 3-share, 5-share, etc.). The fewer the shares, the higher the price.
What's the right conversion benchmark on shared leads?
1-3% to funded is typical industry-wide. Top-quartile shops working shared leads with sub-60-second speed-to-lead and tight scripts can reach 5-7% — but this requires investment in dialer tech, dedicated speed-to-lead reps, and ruthless lead-source selection.