FiveFacts is the AI opener for MCA.
FiveFacts is an AI opener. Veronica calls and texts the aged leads you already paid for, qualifies the five facts (revenue, time in business, amount, positions, state), handles the brush-offs, and hands your closers merchants with an application started and bank statements connecting.
Inside TCPA calling windows. Every time. Under your brand, not ours.
Deploying across the MCA industry now. White-label, one isolated deployment per shop, zero shared anything.
The book sits because the commission math says it should.
Draw, commission, ramp, churn: the moment a rep has a choice, they dial today's leads and let last quarter's rot. Nobody staffs the aged book. So it sits.
Meanwhile the list vendors sell the same names to the shop down the street, marketed as "aged MCA leads," at a discount, precisely because nobody works them properly. Your CRM is someone else's product.
A merchant who stalled 90 days ago didn't stop needing capital. His timing changed. Requalification is a speed game, and a machine that works the whole book every day doesn't lose speed games.
Run your own book through it.
Your numbers, your assumptions. We just do the multiplication you've been avoiding.
That's what "we'll get to the aged book eventually" costs.
The market already prices this output: live transfers clear at $30-200, submission records at $20-100. Your dead book is the penny shelf they get manufactured from.
Put the machine on itCSV in. Qualified submissions out.
Load the book.
A CSV. Headers map automatically. No CRM surgery, no six-week implementation, no seats to license.
The machine checks who it's calling, before it calls.
Guessing a merchant's industry from the business name is right about 40% of the time. We measured it. So we don't guess: every record is enriched and verified at intake, roughly 86% verified grounding before the first touch, because "so you run a trucking company" opens a conversation, and getting it wrong ends one.
Veronica works the whole book.
Voice and SMS, together. Calls fire only inside each state's legal calling window. Enforced in code, not in a training deck. Brush-offs get handled the way your best opener handles them. The rebuttal flow was drilled on live merchant conversations, not a script binder.
Five facts, qualified in conversation.
Monthly revenue. Time in business. Amount seeking. Open positions. State. The same five your floor asks. Asked every time, logged every time, no cherry-picking, no Friday-afternoon shortcuts.
Your closer gets a live one, not a name and a prayer.
The qualified merchant gets the application and bank-connect link by text, in-thread, while the conversation is still warm. Your closer picks up a merchant whose statements are already connecting. You watch all of it in a read-only live console with a branded weekly report.
You've managed this opener before.
The AI opener doesn't take days off. It doesn't make excuses. It doesn't ask what the status of the deal is, or whether it funded yet. It doesn't ask for another draw in week six with zero closes. It doesn't blame the leads, the season, the dialer, or underwriting. It doesn't spiral when a merchant tells it to kick rocks (or worse). It doesn't drag the whole floor down with its attitude. And it doesn't take a commission.
It never gets tired of aged paper.
No commission math, no cherry-picking, no ramp, no churn, no Friday afternoons. Total coverage of the exact leads humans skip, every day, around the clock.
It doesn't break rules under pressure.
A rep chasing quota freelances the script. The machine physically can't: windows, opt-outs, and message gates run in code, on every touch, whether it's the first dial of the day or the thousandth.
It knows the merchant before it dials.
Verified industry at intake. Measured, not vibes. The opener line lands because it's about their world, not a mail-merge token.
The copy earns its spot.
Every message variant runs against a control and reply rates are measured per variant, continuously. The book gets worked better this month than last month. Receipts in your weekly report.
The book you wrote off becomes the cheapest submissions you buy this year.
Built like the lawsuit is real.
Every tool sold into this industry will happily dial anything you upload. Ours won't. In MCA the lawsuit is never hypothetical, so the guardrails aren't a feature tier. They're the machine.
The straight version of the fine print: your list, your consent basis. You own where the data came from. From the moment it hits the machine, the windows, the opt-outs, the gates, and the audit trail are ours, enforced in code. That division of responsibility is written down, not implied.
This is compliance machinery, not legal advice. Bring your counsel; we like operators who have one.
Merchants only ever hear your name.
White-label
Veronica runs under your company name and your number. Every text, every call, every application link, your brand end to end.
Isolated deployment
Your book lives in your own deployment: not a shared pool, not a co-mingled database, not training data for anyone else's machine.
No tourists
You already noticed nobody had to explain this industry to us. The isolation policy comes from the same place: we know exactly how paranoid a funder should be about his book, and we built for that funder.
The most expensive floor is the one you can't build.
Merchants come to you directly. Referrals arrive that never touched a broker. Renewals come due. Whole books go orphaned when an ISO shop folds. A funder's desk collects paper all day without buying a single lead.
Working that paper properly takes openers and chasers, an ISO-style floor. Build one, and every broker who sends you deals starts doing the math on whether his merchants come back out the other side. The channel is worth more than the floor, so the floor never gets built, and the paper sits.
No recruiters, no reps, nobody for your ISOs to bump into working a file. The machine works your inbound, your renewals, your orphaned books, under your name, inside your walls. It works the list you load and nothing else, and the audit log proves it. The revenue was always there. The floor was the problem.
Built for every shop that works the paper.
Direct funders
Closers you have. What you don't have is anyone working the paper that lands on its own: inbound merchants, renewals, orphaned ISO books. The machine works all of it without the sales floor your channel would hate, and without another CRM.
ISO shops
Your floor lives and dies on openers, and they churn faster than anyone's. Deploy one that never quits, never poaches your book on the way out, and works every file under your shop's name.
Lead-list vendors
Your product converts better when a machine works it, white-labeled as yours. Your clients' cold books become your upsell.
The questions your floor will ask.
Do merchants actually talk to it?
Some hang up. Plenty don't. And the economics never depended on charming everyone; they depend on working 100% of a book that currently gets 0%. Don't take the claim: apply for the demo and try to brush her off.
My aged book is burnt.
Burnt for a commissioned rep who'd rather dial fresh paper. That's labor economics, not lead quality. Every submission out of a book you already own is found money at data-cost zero.
What about TCPA?
See the machinery above: windows in code, one-way opt-outs, DNC gates on every dial, a carrier gate on every text, and an audit log you can pull. The honest boundary: consent provenance is yours; everything after intake is enforced by us.
Where does my data live?
In your own isolated deployment, under your brand. No shared pool, no co-mingled database, and nobody's book trains anybody else's machine. Data covenant in writing.
Where are the case studies?
Our clients are funders. Funders don't let vendors wave their books around as marketing. And the day we parade a client's numbers is the day you should stop trusting us with yours. That discretion is part of the product. Bring a slice of your book to a live run; your own numbers beat anybody's brochure.
What does it cost?
A platform subscription, a one-time onboarding, and metered usage for the volume you run. The same shape as every serious piece of infrastructure your shop already pays for. No seat licenses, no per-user nonsense: the machine is the floor. Bring your fully-loaded opener seat cost to the demo and we'll do the math next to it. It isn't close.
Put your own number
where our mouth is.
Apply for the demo, book the run, and play the merchant yourself: stall her, brush her off, lowball your revenue. See what your closers would get.