For MCA brokers, ISOs and funders
The fully managed AI sales rep for MCA brokers.
Top closers win on follow-up. They don’t have time for the aged leads you already paid for. LeadRefinery does, and hands them the merchants who are ready.
Blue Heron Day Spa
- CarolHi, Dana?
- DanaSpeaking.
- CarolHey Dana! It's Carol from Your company, a business funding company. I'm an AI agent, on a recorded line. How are you doing today?
- DanaGood, thanks.
- CarolGlad to hear it. Since you last looked into funding with us, we’ve added some new options. Want a specialist to walk you through them, or should I close out your inquiry?
- DanaSure, put someone on.
- CarolHang tight, let me see who’s free.
Copper Kettle Catering
- CarolHi, Marco?
- MarcoYeah, but I’m on a job. Call me tomorrow at ten.
- CarolReal quick, it's Carol from Your company, a business funding company. I'm an AI agent, on a recorded line. Tomorrow at ten in the morning, Central time. That right?
- MarcoYep.
- CarolYou’re all set. Someone from the team will call you then.
Ashgrove Pet Grooming
- CarolHi, Priya?
- PriyaSpeaking.
- CarolHey Priya! It's Carol from Your company, a business funding company. I'm an AI agent, on a recorded line. How are you doing today?
- PriyaGood.
- CarolGlad to hear it. Since you last looked into funding with us, we’ve added some new options. Want a specialist to walk you through them, or should I close out your inquiry?
- PriyaNot right now. Maybe after tax season, in March.
- CarolWant us to check back in March?
- PriyaSure.
Cedar & Salt Bistro
- CarolHi, Jen?
- JenI’m with a customer. Just text me the application.
- CarolGot it. Is this Jen?
- JenYeah.
- CarolSure. It's Carol from Your company, a business funding company. I'm an AI agent, on a recorded line. Sending it now.
- CarolOkay, it’s on its way to this number. Have a good one!
Northline Auto Repair
- CarolHi, Ray?
- RayYeah.
- CarolHey Ray! It's Carol from Your company, a business funding company. I'm an AI agent, on a recorded line. How are you doing today?
- RayTake me off your list.
- CarolGot it. I've put in your request to stop calls and texts from Your company. Sorry to have bothered you.
- Says it’s an AI on every call
- Federal and state DNC scrubs
- Local calling hours only
- Calls only the files you give it
- One switch stops all calling
The problem
You already paid for every lead in your CRM.
Ask any top closer. The deal rarely closes on the first call. It closes because someone called back at the right time, kept at it for weeks and finished the file. Your closers are busy with live deals, so aged files sit.
More on working aged MCA leads.
The best reps win on follow-up. LeadRefinery gives every file that follow-up.
What changes for your team
The agent does the grind. Your reps close.
Calling an aged file is brutal, high-volume work. Dial after dial of no-answers, gatekeepers, hang-ups and “not now.” The agent takes that volume, so your reps spend their hours on deals.
Your reps today
- Squeeze old leads in between fresh ones
- Sit through no-answers, gatekeepers and hang-ups
- Hear “not now” and lose track of the callback
- Need more reps to call more leads
With LeadRefinery
- Take live transfers from merchants who want to talk
- Call back at the time the merchant chose
- Get check-backs on the date the merchant gave
- Work more of the file without a new hire
01
Scale without hiring
Working more of the file doesn’t wait on a hire. The agent makes the calls, at the pace we set for every lead.
02
Rep hours go to deals
Your reps skip the dialing and spend their time on merchants who said yes to a conversation.
03
Your lead spend keeps working
You paid for every lead in the file. Each one gets worked through its full cadence, so more of that spend gets a real shot at a deal.
How it works
Every aged lead, worked like your best rep would.
Your team uploads the file and takes the merchants who are ready. We set the timing for every lead and run everything in between.
-
01 · You
Upload the aged file
The leads your floor stopped calling. It only calls the files you give it.
-
02 · The gate
Every dial is checked
Consent attestation, scrubs, calling hours, holidays and call caps. Every check is logged.
-
03 · The call
It qualifies need and timing
It confirms the right person and says it’s an AI. Then it finds out if they still need capital, what for, and when. Every “call me in March” lands in your future pipeline.
-
04 · Your closer
A merchant ready to talk
A live transfer with a brief, a callback at their time, or your application link.
See how MCA live transfers and callbacks reach your reps.
The web app
See every call and outcome. Watch your future pipeline grow.
Delivered opportunities, future pipeline, live calls and every call record. Your reps don’t need logins.
Your team updates deal status in the same place. Every call keeps a recording, a transcript and one clear outcome.
Fully managed, rules built in
Built to protect your name.
We provision and register the phone numbers, check their health every day, and set the cadence. You can make the rules stricter. You can’t switch them off. If any check fails, the call doesn’t happen.
Pause or stop any campaign at any time. One switch stops all calling.
- Locked
AI disclosure
Confirms the right person, then says it’s an AI. Never pretends to be a person.
- Locked
No scrub, no call
Federal and state Do Not Call, known litigators, business status, line type and number deliverability.
- Locked
Local calling hours
Each merchant’s own calling window. Never on holidays.
- Stricter OK
Hard call caps
Limits per lead and per phone number, on every dial.
- Locked off
Voicemail drops
No messages left. No fake urgency.
- Locked off
Rate quotes and approval promises
It never quotes rates, fees, amounts or approval odds.
- Locked
One opt-out ends it all
A stop request on a call or by text ends contact on every channel.
Compared
Other ways to work an aged file.
What shops do today with the leads they stopped calling, and where LeadRefinery fits.
| What shops do today | What it costs you | With LeadRefinery |
|---|---|---|
| Let the old file sit | The spend is already written off, and merchants who said “not now” never hear back. | The agent works only that file and hands back the merchants who want to talk. |
| Reps call old leads in spare time | Fresh leads always win, so the old file waits. | No rep time goes in until a merchant wants to talk. |
| Hire more reps or outsource callers | Salary, ramp time, turnover, and another team to manage. | The agent makes the calls, so working the file doesn’t wait on a hire. |
| Text or email blasts from the CRM | The merchant who replies still needs someone to talk to next. | It catches intent in the moment, on a real call. Then a live transfer, a callback or your application link. |
| Build on a voice AI platform | Engineering, numbers, scripts, pacing and compliance are all yours to run. | We run all of it. |
| Self-serve AI calling tools | You still own the setup, the numbers and the compliance checks. | Fully managed, with a logged gate on every dial. |
Where it’s going
One rep for the whole life of a lead.
Today it works aged files, the handoff and the future pipeline, the stages in amber. Each new stage gets its own agent as it launches, so a lead keeps moving until it’s funded, scheduled or closed out.
-
New inquiry
Calls new leads within seconds of arriving.
Roadmap -
Aged file
Works the files your floor stopped calling.
In the pilot -
Handoff
Live transfer, callback, or your application link.
In the pilot -
Future pipeline
Calls back on the date the merchant asked for.
In the pilot -
Application
Follows up on missing statements and stalled approvals.
Roadmap -
Funded
Checks in after funding and makes sure the merchant is doing well.
Roadmap -
Renewal
Calls when the merchant can take more capital.
Roadmap
- Callback reminders
- Missed-callback rebooking
- Application follow-up
- Voice · in the pilot
- Text follow-up · next
- CRM sync · next
- Email follow-up · roadmap
One fixed price per lead
Set up front, in the pilot.
Never per minute
Call length, dials and retries never change what you pay.
Never a cut of your deals
No revenue share.
Will merchants hang up on an AI?
It says it’s an AI up front, on purpose. We aren’t trying to trick anyone. We’re looking for intent and interest. A merchant who keeps talking actually wants to talk.
Is it legal to call aged leads with an AI agent?
Yes, when the leads have the right consent. Calls with an AI voice need prior express written consent, and it has to cover calls from your company. When you load a file, you confirm that consent is on record, and only those leads are dialed. Every lead is also scrubbed for federal and state Do Not Call, known litigators, business status, line type and number deliverability, and calls go out only inside local calling hours. This isn’t legal advice.
My reps already call old leads. Why would I need this?
They shouldn’t have to. Deals are won on follow-up, but following up on old leads is slow, grinding work, and it pulls your reps off live deals. The agent takes that work, so your reps spend the day talking with merchants, closing deals and earning commission. Give it the files your team has stopped calling, and it hands back the merchants who want to talk.
Will it burn my phone numbers?
We provision and register the numbers and check their health every day. There are no voicemail drops, and call caps are enforced on every dial.
What does it cost?
A fixed price per lead, set before the first call. Never per minute, and never a cut of your deals.
Do I have to change my CRM?
No. You upload leads and watch results in the web app, and your reps don’t need logins. CRM sync is next.
Can I stop it?
Yes. Any campaign can be paused or stopped at any time, and one switch stops all calling.
- Alternatives to hiring SDRs for a funding company
Five ways to add call capacity at an MCA or business funding shop without hiring SDRs, who runs each part, and when hiring is still right.
- AI voice agents for MCA brokers: what to check before you buy
A buyer's checklist for MCA brokers. Five things to confirm before an AI voice agent calls a lead, each tied to FCC, FTC or statute text. Not legal advice.
- Best AI SDR and AI calling tools for MCA brokers and lenders
A fair look at AI SDR and AI calling tools for MCA brokers, ISOs and business lenders: what each one does, who runs it, and who each one fits best.
- Live transfer vs callback vs application link: setup
Live transfer vs callback vs application link: how to set up an AI agent handoff to your funding reps and what to do when nobody picks up.
- What a fully managed AI sales rep does for MCA brokers
A plain guide for MCA brokers on what a fully managed AI sales rep does, which leads it works, and how it hands off ready merchants.
- Reactivate old MCA leads: CRM, dialer or AI voice agent
Software an ISO can use to reactivate old MCA leads: CRMs, dialers and AI voice agents, and how to work aged files without hiring more reps.
A note from the founder
“I spent more than ten years in technology, most of it in enterprise. For the last two years I’ve built products for funders and brokers. Bring me a file you’ve written off, and I’ll show you how the agent would work it.”
Chase WilliamsFounder, LeadRefinery A short call. We walk through how it would work your aged leads, and what a pilot looks like. Or email hello@leadrefinery.ai.