Aged Payoff Lists: Proven Payment History, Maximum Conversions
Access businesses that successfully completed MCA payments and are ready for repeat funding. Our aged payoff lists deliver 35-45% conversion rates with prospects who understand MCA products and have proven payment ability.
Conversion rate
Proven payment history
Approval rate
Payoff timeframe
What Are Aged Payoff Lists?
Aged payoff lists contain businesses that have successfully completed merchant cash advance payments, demonstrating proven payment ability and familiarity with MCA products.
The Power of Proven Payment History
Aged payoff lists represent one of the most valuable lead sources in the merchant cash advance industry. These are businesses that have not only received MCA funding but have successfully completed their payment obligations, proving their ability to manage cash flow and handle funding responsibilities.
Unlike cold prospects who may be unfamiliar with MCA products, businesses on payoff lists understand how merchant cash advances work, have experienced the benefits firsthand, and often need repeat funding for continued growth. This combination of familiarity, proven performance, and ongoing funding needs creates exceptional conversion opportunities.
- Proven Payment AbilitySuccessfully completed MCA payments demonstrate cash flow management and payment reliability.
- Product FamiliarityUnderstand MCA terms, benefits, and processes, eliminating education barriers and objections.
- Repeat Funding PotentialMany businesses need multiple funding cycles for growth, making them ideal repeat customers.
Payoff List Advantages
Higher Approval Rates
85% approval rate due to proven payment history
Faster Decisions
Familiar prospects make funding decisions quickly
Larger Deal Sizes
Proven businesses often qualify for higher amounts
Reduced Risk
Track record reduces default risk significantly
Easier Sales Process
No need to educate on MCA benefits and process
Recent Payoffs
Businesses that completed payments within 6-24 months, indicating current funding readiness
Established Relationships
Previous positive MCA experience creates trust and willingness to work with funders again
Growth Trajectory
Successful payment completion often indicates business growth and need for additional capital
Payoff Timeline Categories & Performance Data
Our aged payoff lists are categorized by payoff recency, allowing you to target businesses based on their optimal funding readiness window and conversion potential.
Payoff Timeline Categories
Recent Payoffs (6-12 months)
Highest conversion rates (40-45%) as businesses are most likely to need repeat funding. Fresh memory of MCA benefits and established cash flow patterns.
Standard Payoffs (12-18 months)
Strong conversion rates (35-40%) with proven track record. Businesses have had time to grow and may be ready for larger funding amounts.
Mature Payoffs (18-24 months)
Good conversion rates (30-35%) with established businesses. Often ready for significant growth capital and larger deal sizes.
Seasoned Payoffs (24+ months)
Moderate conversion rates (25-30%) but often larger, more established businesses with significant funding needs and excellent credit profiles.
Conversion Rate by Payoff Age
Key Insight: Recent payoffs show highest conversion rates due to immediate funding readiness and fresh MCA experience.
Peak Conversion
6-12 month payoffs
Average Deal Size
Repeat funding amounts
Days to Close
Average funding time
Satisfaction Rate
Client retention
Aged Payoff List Success Stories: Real Results
See how our clients are achieving exceptional conversion rates and ROI with aged payoff lists, including specific performance metrics and repeat funding success stories.
Capital Growth Partners
Regional MCA Funder • Atlanta, GA
The Challenge
Capital Growth was struggling with low conversion rates on cold leads and needed a more reliable source of qualified prospects. They were spending too much time educating prospects about MCA benefits and facing high rejection rates.
The Solution
Implemented our Professional aged payoff list package, focusing on businesses that completed payments 6-18 months ago. Developed specialized scripts for repeat funding conversations.
The Results
"Aged payoff lists have been our secret weapon. These businesses already know how MCAs work and many are ready for their next round of funding. We're converting at 42% consistently and our sales cycle is incredibly short."
Reliable Business Funding
MCA Broker Network • Denver, CO
The Challenge
Reliable was facing increased competition for fresh leads and needed a differentiated approach. Their sales team was spending too much time on unqualified prospects and needed higher-quality leads.
The Solution
Started with our Growth aged payoff list package and focused on businesses with 12-24 month payoffs. Positioned themselves as the preferred partner for repeat funding needs.
The Results
"The quality of aged payoff lists is unmatched. These businesses have proven payment history and understand the value of merchant cash advances. Our approval rates are through the roof and deals close in days, not weeks."
Payoff List Performance vs. Traditional Sources
| Metric | Cold Leads | Fresh Leads | Aged Leads | Payoff Lists |
|---|---|---|---|---|
| Conversion Rate | 1-3% | 15-20% | 5-10% | 35-45% |
| Approval Rate | 25-35% | 45-55% | 35-45% | 80-90% |
| Average Deal Size | $35K | $55K | $45K | $95K |
| Time to Close | 3-4 weeks | 1-2 weeks | 2-3 weeks | 3-5 days |
| Education Required | Extensive | Moderate | Moderate | Minimal |
Comprehensive Payoff List Data Points
Each aged payoff list entry includes detailed payment history, business information, and contact data to maximize your conversion potential and personalize your repeat funding approach.
What's Included with Every Payoff Lead
- Payment History DetailsOriginal funding amount, payment completion date, payment performance, and funding duration
- Complete Business ProfileCompany name, industry, years in business, employee count, business structure, and growth indicators
- Financial PerformanceCurrent revenue estimates, credit score improvements, financial trends, and funding capacity
- Contact InformationUpdated business phone, email, address, website, and decision maker details with direct contacts
- Funding IntelligenceOptimal approach timing, recommended funding amounts, and repeat customer potential scoring
Sample Payoff List Entry
Payment History
Business Information
Contact & Opportunity
Payment Performance
Detailed payment history, performance ratings, and completion timeline data
Financial Growth
Revenue trends, credit improvements, and business expansion indicators since payoff
Funding Readiness
Optimal funding amounts, timing recommendations, and repeat customer scoring
Repeat Potential
Growth indicators, expansion plans, and likelihood of needing additional funding
Best Practices for Payoff List Success
Maximize your aged payoff list conversions with these proven strategies and techniques from our highest-performing clients specializing in repeat funding.
Repeat Funding Approach Strategies
- Reference Payment SuccessAcknowledge their successful completion of previous MCA payments, building credibility and trust from the first contact.
- Focus on Growth OpportunitiesPosition repeat funding as a tool for business expansion, new opportunities, or seasonal needs rather than financial distress.
- Offer Better TermsLeverage their proven payment history to offer improved rates, terms, or funding amounts compared to their previous experience.
- Streamlined ProcessEmphasize faster approval and funding based on their established track record and reduced documentation requirements.
Optimal Contact Timing
Success Tip: Payoff list prospects respond faster than cold leads. Most decisions are made within the first week of contact.
Payoff List Script Templates
Recent Payoff Script (6-12 months)
"Hi [Name], I see [Business Name] successfully completed a merchant cash advance about [X] months ago. Congratulations on that achievement! Based on your excellent payment history, you now qualify for our preferred customer program with better rates and terms. Are you looking at any growth opportunities that could benefit from additional working capital?"
Standard Payoff Script (12-18 months)
"Hi [Name], I'm calling because [Business Name] has an excellent track record with merchant cash advances. You completed your last funding successfully, which puts you in our preferred customer category. With your proven payment history, we can offer significantly better terms than what's available to new customers. What growth plans do you have that could benefit from funding?"
Objection Handling
"We're doing fine without funding"
"That's great to hear! Many of our best customers use funding strategically for growth opportunities rather than necessity. What expansion plans do you have?"
"The rates were too high before"
"I understand completely. That's exactly why I'm calling - your excellent payment history now qualifies you for our preferred rates, which are significantly better..."
"We're not ready for more debt"
"I appreciate that perspective. This isn't about debt - it's about leveraging your proven track record for strategic growth capital when the right opportunity comes along..."
"How did you get our information?"
"We work with successful businesses that have completed MCA payments to offer them preferred customer benefits. Your excellent payment history qualifies you for our best programs..."
Aged Payoff List ROI Analysis
Compare the exceptional ROI advantage of aged payoff lists versus traditional lead sources with real-world scenarios and performance metrics.
Traditional Fresh Leads
Aged Payoff Lists
The Payoff List Advantage
More funded deals
Higher monthly profit
Lower cost per deal
Better ROI
Key Insight: Aged payoff lists deliver dramatically higher conversion and approval rates due to proven payment history and MCA familiarity, resulting in exceptional profitability and ROI.
Aged Payoff List Pricing
Premium pricing for premium results. Our aged payoff lists are priced to reflect their exceptional conversion rates and proven payment history value.
Starter
Test the quality
- 25 payoff list leads
- 6-24 month payoffs
- Payment history included
- Email support
- $32 per lead
Growth
Scale your volume
- 60 payoff list leads
- Payoff age filtering
- Performance ratings
- Phone support
- $28 per lead
Professional
High-volume funders
- 120 payoff list leads
- Advanced filtering
- Funding readiness scores
- Priority support
- Performance analytics
- $24 per lead
Enterprise
Maximum volume
- 200+ payoff list leads
- Custom criteria
- Dedicated account manager
- API integration
- Custom reporting
- $20 per lead
All packages include TCPA compliant leads with verified payment history data. No setup fees or long-term contracts required.
Volume Discounts Available
Need more than 200 leads per month? Contact us for custom enterprise pricing with volume discounts up to 30% off standard rates.
Frequently Asked Questions
Get answers to common questions about aged payoff lists and how they can transform your repeat funding business.
What are aged payoff lists?
Aged payoff lists contain businesses that have successfully completed merchant cash advance payments within the last 6-24 months. These businesses have proven their ability to manage MCA payments and understand the product, making them ideal prospects for repeat funding opportunities.
What is the conversion rate for aged payoff lists?
Aged payoff lists typically convert at 35-45% due to proven payment history, familiarity with MCA products, and demonstrated ability to handle funding obligations. This is significantly higher than cold leads (1-3%) or even fresh leads (15-20%) because these businesses already understand and have succeeded with MCA funding.
How much do aged payoff lists cost?
Aged payoff lists range from $20-32 per lead depending on volume and payoff recency. While more expensive than aged leads, the dramatically higher conversion rates (35-45% vs 5-10%) and approval rates (80-90% vs 35-45%) result in significantly better ROI and cost-per-funded-deal metrics.
How recent are the payoffs in aged payoff lists?
Our aged payoff lists include businesses that completed payments within 6-24 months, with options to filter by specific payoff timeframes. Recent payoffs (6-12 months) show the highest conversion rates, while older payoffs often involve larger, more established businesses with bigger funding needs.
Why do aged payoff lists convert better?
Businesses on payoff lists have proven they can successfully manage MCA payments, understand the product benefits, and often need repeat funding for continued growth. This combination of familiarity, proven performance, and ongoing funding needs creates exceptional conversion opportunities compared to cold prospects.
Are aged payoff lists exclusive?
Yes, our aged payoff lists are exclusive and never resold. Once delivered to you, these leads will never be sold to another funder or broker, ensuring you're not competing with other companies for the same proven prospects.
What information is included with payoff list leads?
Each payoff list entry includes payment history details (original amount, payoff date, performance rating), complete business profile, current financial information, updated contact details, and funding readiness scoring to help you personalize your repeat funding approach.
How do you verify payment completion?
We work with a network of MCA funders and data providers to verify payment completion through multiple sources including UCC filings, credit bureau updates, and direct funder reporting. All payoff data is verified before inclusion in our lists.
Ready to Leverage Proven Payment History for Maximum Conversions?
Start converting at 35-45% rates with businesses that have proven MCA payment ability. Perfect for repeat funding strategies and building long-term customer relationships with established businesses.