Quick answerFree working capital calculator. Compute working capital, current ratio, quick ratio, and cash runway from your balance-sheet inputs. Built for SMB owners and… 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 working capital calculator. Compute working capital, current ratio, quick ratio, and cash runway from your balance-sheet inputs. Built for SMB owners and…
Every pull includes NAICS 6-digit and SIC 4-digit industry classification plus an employee-count band (1–4, 5–9, 10–19, 20–49, 50–99, 100+), enabling you to cut strictly to owner-operated businesses (fewer than 10 employees) where the founder is still on the floor and likely funding decisions themselves. Year-founded adds the ability to target newly-formed businesses (high working-capital need) or mature operators (lower risk, higher ticket).
Commercial real estate brokers and mortgage originators use the dataset to reach business owners who are likely tenants — construction, retail, restaurants, healthcare — and pitch owner-occupied financing, SBA 504 deals, or lease-renegotiation advisory. Payment-processor ISOs and merchant-services resellers use the merchant-services-friendly industries (retail, restaurants, auto repair, salons) to pitch POS upgrades, lower interchange, and cash-advance lines tied to processing volume.
One-time packs start at $300 with no recurring commitment. Compare the full pack total, exact quantity and rate per record, lead or submission on the pricing page. A cheaper raw inquiry is not equivalent to a complete application, and higher purchase volume does not guarantee funded deals.
New York CFDL (Commercial Finance Disclosure Law): as of 2023, NY requires funders and brokers originating commercial financing into New York to provide standardized disclosures including: estimated APR, finance charge, total payment amount, and prepayment terms. NMLS registration may be required for brokers facilitating NY commercial financing. The NY Department of Financial Services (NYDFS) has enforcement authority. If you use Owner Leads Direct data to prospect NY businesses for commercial financing, ensure your team has a CFDL disclosure template ready before first contact.
API delivery (Enterprise tier): pulls are available via a REST endpoint returning paginated JSON at 500 records per call. Authentication uses API-key-in-header (X-Api-Key). The endpoint supports filter parameters for state, city, zip, NAICS, revenue_band, source_tier, mobile_confirmed, and record age range — so your platform can pull filtered subsets programmatically without generating a new CSV export each time. Rate limit: 60 requests/minute per key. Full OpenAPI spec at /api-docs.