Quick answerFree ACH holdback calculator. Model daily/weekly remit schedule from monthly revenue, holdback percentage, and advance terms. Owner Leads Direct delivers verified business-owner contact data — owner mobile phones, email, revenue band — across 50+ industries and all 50 US states. Free sample list available before any commit. Same-day CSV delivery during business hours.
Free ACH holdback calculator. Model daily/weekly remit schedule from monthly revenue, holdback percentage, and advance terms.
Field availability varies by record source. Records that flow through our MCA partner network typically carry the richest payload (owner phone, email, revenue, funding history, bank-statement summary). Records sourced through B2B data partnerships carry owner phone, business email, revenue band, and industry classification but may lack funding-specific signal. Filter by source-tier at quote time if you need only the highest-payload records.
Typical buyers: MCA shops and funding brokers prospecting working-capital deals, equipment financiers underwriting trucks/machinery/restaurant equipment, commercial lenders building term-loan pipelines, B2B SaaS reps selling vertical software (POS, scheduling, CRM, inventory), commercial insurance agencies writing P&C/workers'-comp lines, payment processors and ISO/MSP teams selling merchant accounts, and ROBS/SBA brokers building owner-direct outreach.
The four one-time products are Aged Inquiry Data, Fresh Inquiry Data, Aged Submission Data and Full Fresh Submissions. Fresh inquiry data is approximately 0–30 days old; aged inquiries are approximately 31–180 days old. Full Fresh Submissions include previous-three-month bank-statement summaries, not promised original statement PDFs.
California compliance stack: CCPA/CPRA grants California consumers (including sole-proprietors acting as "consumers") the right to opt out of sale of their personal information. If your firm is subject to CCPA, you must honor opt-outs and maintain a "Do Not Sell or Share" mechanism. California SB 1235 requires commercial-financing disclosures (APR-equivalent, total payment amount, prepayment terms) for any commercial financing offer to a California business under $500K. California SB 1001 requires AI agents to disclose they are not human upon request. All three frameworks apply simultaneously if you fund, broker, or market to CA business owners.
Same-day vs next-business-day SLA: orders placed and confirmed before 3 PM Eastern on a business day (Monday–Friday, excluding US federal holidays) are fulfilled same-day. Orders placed after 3 PM ET or on a weekend/holiday are fulfilled the next business day by noon ET. Custom-filter pulls (EIN, bank statements, SSN) may require 24–48 hours additional processing time. Replacement requests for defective records are processed within 5 business days of a documented defect report. Emergency same-hour delivery is available on Enterprise tier for an expedite fee — contact us for details.