Hi, good morning/afternoon [name of owner]?

It’s [your name] from

[Name of our Company]. It’s come to my attention that at one point
you were looking to get a line of credit. How did things work
out? Were you able to get a line of credit or a cash advance?

If they say YES - GREAT! What’s your balance?

If they say NO - Well that's why I'm calling you now. I have the ability
to get you approved within 24 hours and send you all the details for
you to evaluate on your own timeline.

And how long have you been in business now?

I have the ability to get you longer terms and cheaper rates. What’s
the minimum dollar amount you need for this to make sense to
you?

How much did your company make in revenue last year? (ex. 300k,
1 Million etc)

How much money did you deposit into your business bank account
last month? (ex $30k, $150k etc)

OK, perfect. What’s your email address?

Is there anyone else at your company that handles the paperwork that
you would like me to CC on this email?

I'm going to send you a one-page application for you to fill out,
sign and email back to me. I will also need the last 3 months of
your business bank statements. Once I receive all the paperwork
within 24 hours or less, I will have an approval emailed to you with all
the details included for you to review.

Additional questions-

1 As long as the deal makes sense, how soon do you need

the money?
2 What are you going to use the money on? (i.e. Working
Capital, Buy Equipment, Buy Inventory, Pay off Debt,
 Remodel etc..)
3 Do you have a daily payment or a weekly payment on your
Cash Advance? If Yes, which do you prefer (Daily or
Weekly)?
4 What Lender do you have your current advance with? (ex.
OnDeck, Everest, IOU, Kapitus, Credibly)
5 In your bank statements, what is your average Daily
Balance? How much do you have in the account on
average?
6 Do you have any negative days in your bank account?
7 Are you currently in a Bankruptcy? If Yes, is it Open,
Dismissed or Discharged? (How recent?)
8 Do you currently have any Tax Leins? If Yes, are you in a
payment plan?
9 How many deposits do you make into your bank account on a
monthly basis? At least 10?
10 Do you have any money judgements against yourself or
the business?
11 How long is the Term on your current Cash Advance? (ex.
6 months, 9 months, 1 year)
12 How is your Credit? (ex. 650, 700) You Do Not Need
Good Credit to get FUNDED!
13 Have you received any offers? If Yes, for how much and
for how long of a term? Why didn't you take the offer?
What do you need to move forward?
14 Tell me about your Company, what exactly do you do?
15 Did you file your Tax Returns on time? If NOT, did you file
an extension?

Rebuttals (after each rebuttal go back to the questions, do

not wait for the merchant to respond)
1 Not Interested - I respect that, I am not looking to waste your
time. All I want to do is put some options in front of
you and this way WHEN YOU ARE READY, WHEN YOU
DO NEED THE MONEY, you will have all the numbers in
front of you. How much you can get. What the payment
 will be. All the facts necessary to make a decision. What's
your email address?
2 What are the rates? - How's your Credit? A) If they refuse to
answer, tell them - You can't just walk into a bank and say
what are the rates? They need to know more about you
and your business to give you real numbers, am I right?
How much revenue did your company make last
year? B) If they say they have good credit - Based on
what you're telling me, you're going to have a lot of
options and my job is to isolate the one that makes the
most sense for you and your business. And the fact is I
only get paid if your happy and you take an offer. What's
your email address? C) If they say they have bad credit -
We have special programs specifically for people with bad
credit. Send me over a completed application and I'll show
you what I can do, what's your email address?
3 What are the rates? - With all due respect (Merchants
Name), If you walked into Chase Bank for a car loan and
asked "what's the rate", they aren't going to just spit out a
number and give you a rate. They DONT KNOW YOU!
They have to know who you are: your credit, your DTI and
a hundred other things. The benefit you have with me is
that I can have you approved within 24 hours and have
the money wired to your account the same day! How
much do you need exactly? ( must be aggressive with this
rebuttal)
4 I don't need Money/I have Money - The money you have
now is operating capital, I'm looking to get you money to
grow your business. How much would you need for this to
make sense for you?
5 I'm all Set/ I already have a Loan/Advance(MCA) - I've
been doing this a long time. Long enough to know that if
you did get an advance, the money is now gone. It's
been put to use and you're now making a payment on
money that you already spent. I have the ability to pay off
that loan and get you more money to work with now. At
the same time, my job will be to get you a longer term and
 a smaller payment then you currently have. How long
have you been in business?
6 I have a LOC (Line Of Credit) - Generally business use their
LOC as emergency cash and operating money. I have the
ability to get you money to grow your business now. If the
deal makes sense, how much can you put to use today?
7 What is this about? - At one point you were looking to get
money for your business and I have a Lender that is
willing to make you an offer. How much exactly are you
looking for?
8 I need a Monthly Payment - If you need a monthly payment,
then your best bet is getting an SBA loan. Which I can do
for you. How much do you need exactly and what for?
(Pay off Debt, Buy building, Open new location, Buy out
competitor, Buy out existing partner)
9 I don't have time to talk - I know we both don't have time to
waste. I'm looking to get your business the money it
needs. How much are you looking for and what's your
email so I can send you the details?
10 I don't send my bank statements to anybody - In order
to get you an approval the Lender needs to know who you
are and the revenue that your company produces. This
information is not shared with anyone else and will only be
used to get you an offer. How much exactly do you need?
11 I don't want my Credit pulled - All the Lenders I deal
with only use soft pulls. It will not affect your credit. How
much exactly do you need? (If you used more than one
rebuttal and you have already asked this question, ask a
different question. Ex. what's your email address? How
long have you been in business?)
12 I'm Busy - Thats Great because I only deal with Busy
people! Let me know exactly how much you need and I'll
spend the next few hours putting an offer together for you.
What's your email address?
13 I'm already working with someone - I respect that! But
you don't care about him and you don't care about me. It's
going to come down to who can get you the best deal. Tell
 me exactly how much you're looking for and I'll email you
an offer to compare to the other guy. What's your email
address? After you get the Merchants email address -
You can forward me the same email you sent him with the
statements and the application and I'll have an offer for
you in 1 hour.
14 I get so many calls - I believe you! And most of them are
wasting your time. Tell me exactly what you need and I'll
work at getting it done. I only get paid if you get what you
want. How much exactly do you need?
15 It's too expensive - Whoever is calling you is offering you
the wrong product. If you want cheap, we probably have to
get you a term deal or an SBA. What type of deal do you
need?