Trigger Lead
A trigger lead in MCA context is any merchant record generated by an event-based signal — UCC filing, bank inquiry, hard credit pull, business license issuance — distinguishing it from static demographic lists by carrying time-sensitive intent data.
Why This Matters
Trigger leads represent the highest-quality MCA lead category because the underlying signal indicates active intent or capital event. Beyond UCC trigger leads (most common), the broader category includes hard-pull triggers (merchant just applied for credit elsewhere), license-renewal triggers (annual capital cycle), and processor-data triggers (sudden revenue spike or decline). Time-sensitivity matters — triggers must be acted on within days to capture the intent window. Pricing typically runs $5-$25 per record exclusive depending on signal strength and freshness.
Frequently Asked Questions
Frequently Asked Questions
Are trigger leads the same as UCC trigger leads?
UCC triggers are the most common type, but the broader trigger category includes any event-based signal (hard credit pulls, license events, processor data shifts). UCC triggers dominate MCA but other trigger types are growing as data sources expand.
How quickly must trigger leads be worked?
Within days, often within hours, of trigger event. UCC triggers should be in dialer within 24 hours of filing. Hard-pull triggers within 48 hours. Beyond a week, conversion advantage versus standard leads erodes substantially as merchants secure funding elsewhere.