Merchant cash advance & business funding
Power dialer for a 10-person MCA shop
Last updated 27 August 2026
Short answer
A 10-person MCA shop on DialSheet pays $116 a month for software (4 three-seat packs at $29) plus roughly $153 of usage billed by its own Twilio account — about $269 a month all in, or $3,228 a year, which works out at $0.006 per dial across roughly 42,000 dials a month. The same 10 seats on Dialpad cost about $150 a month in licence fees alone, before telephony.
A merchant cash advance shop needs raw dial volume and clean disposition tracking above everything else, because the trade runs on working huge UCC and aged-merchant lists where most numbers are dead. DialSheet is free up to 500 leads and $29/month per three-seat pack after that, with calls billed at wholesale through your own Twilio account — roughly $0.014 a minute. A rep making 200 dials a day costs about $7 a month in talk time, so a ten-person funding floor runs about $116 in software plus under $100 in telephony.
Proof from production: A solo funding broker dials every single week — 1,335 calls last month — measured account data for a solo US business-funding broker.
The numbers for 10 reps
- Software, per month
- $116 (4 × 3-seat pack)
- Twilio, per month
- ≈ $153
- All-in monthly
- ≈ $269
- All-in yearly
- ≈ $3,228
- Dials per month
- 42,000
- Cost per dial
- $0.006
Assumes 200 dials per rep per working day, a 8% connect rate and 3-minute average conversations over 21 working days — working estimates for funding reps on a power dialer, not a quote. Telephony is billed to your own Twilio account at ~$0.014/min plus ~$1.15/month per number.
Why the usual dialers misprice funding reps
Funding floors churn reps and burn phone numbers faster than almost any other trade. Per-seat tools punish both: you pay a full seat for someone who lasts three weeks, and you pay again for the numbers you have to rotate when answer rates fall. Pack pricing and bring-your-own-carrier make headcount and number churn cheap by design.
What 10 seats costs elsewhere
List prices as of August 2026 for the tools a growing MCA shop actually shortlists. Per-user figures are approximate and several vendors quote rather than publish.
| Tool | Per user | 10 seats/mo | Trade-off |
|---|---|---|---|
| DialSheet | $9.67 effective | $116 | you connect your own Twilio and pay carrier rates |
| Dialpad | ~$15–25/user/mo | $150–$250 | built as a phone system first — the sales dialer sits in higher tiers |
| JustCall | ~$19–89/user/mo (annual) | $190–$890 | the dialer is gated above the entry plan, and the team tiers carry a two-user minimum |
| RingCentral | ~$20–45/user/mo | $200–$450 | a business phone system rather than an outbound sales dialer |
| CallHub | ~$25+/user/mo plus usage | $250–$500 | credit-based billing on top of the seat makes the real cost hard to predict |
| Aircall | ~$30–50/user/mo | $300–$500 | seat minimums apply and the power dialer needs the Professional tier |
Against Dialpad at list price, a 10-seat MCA shop on DialSheet Pro saves roughly $408 a year in software — about 1× the licence cost — before adding your Twilio usage of roughly $1,836 annually.
How funding reps actually run it
The list is UCC filings and aged merchant lists; the scoreboard is funded deals. This is the loop between them.
01Import the UCC pull without cleaning it first
UCC and aged-merchant files arrive wide and messy — business name, DBA, owner, two or three phone columns, filing date. Import the CSV as-is; columns map automatically and anything unrecognised becomes a custom field, so filing date and funding history stay attached to the record instead of being dropped to make the import work.
02Tag by list source so you can prove which data converts
Tag every import with its vendor and pull date. When one list funds at twice the rate of another, the tag is the evidence — and the reason to stop paying for the worse one. Filters turn a tag into a dialing session in two clicks.
03Dial with dispositions that match how deals actually die
Most calls end in gatekeeper, not interested, or bad number. One-click dispositions advance the list automatically, and the multi-select disposition filter lets you hide every dead outcome so tomorrow's session only contains merchants still worth a call.
04Rotate numbers before answer rates collapse
High-volume outbound gets flagged as spam-likely within weeks. Because numbers live in your own Twilio account at about $1.15 a month, rotating a floor's worth of caller IDs costs less than lunch — where a bundled provider charges per line and makes rotation a budget decision.
Running 10 funding reps rather than three
At 10 seats the problem stops being cost and starts being visibility. The team leaderboard shows dials, connects, connect rate, conversations and talk time per rep over 7-day, 30-day and custom ranges, and exports to CSV for your own reporting. Each rep can hold a dedicated Twilio number so callbacks reach the person who made the call, and leads are either assigned per rep or worked from a shared pool. On Pro, recorded calls are transcribed and graded against a call script you define, which turns “why is that rep behind” into a per-checkpoint answer instead of a hunch.
Seats stay in 3-seat packs at $29 a month, so growing from 10 to 16 costs $58 more per month — not $90 more, which is what the same six people cost on a per-user plan.
B2B calling still has rules
Calling business owners is a lighter regime than consumer dialing — the US Do Not Call Registry is aimed at residential lines — but it is not a free pass. State telemarketing statutes still apply, calls to mobile numbers with automated technology carry TCPA exposure, and mobile-heavy merchant lists blur the business/consumer line more than most people assume. DialSheet keeps an internal DNC suppression list so a scrubbed number is never dialed again. Treat this as orientation and check the current rules for the states you call.
Questions funding reps ask
What does a dialer cost for an MCA shop?
DialSheet is free up to 500 leads and $29/month per three-seat pack beyond that — a ten-rep floor is $116/month. Telephony is billed to your own Twilio account at roughly $0.014 a minute, which is about $7 per rep per month at 200 dials a day. Per-seat competitors in this space run $89–169 per user, so the same ten reps cost $890–1,690 a month.
Can it handle a 50,000-record UCC list?
Yes. CSV import handles lists of that size, and the free tier's 500-lead cap is the only volume limit — Pro removes it. Tag each import by vendor and pull date so you can compare conversion across data sources.
How many dials a day can one funding rep make?
On a power dialer with one-click dispositions and auto-advance, 200–300 dials a day per rep is a realistic working range, versus roughly 50–80 dialing manually from a spreadsheet. The gain comes from removing copy-paste and dial-tone time, not from calling multiple lines at once.
Do we need our own Twilio account?
Yes — that is the model, and it is why the software is this cheap. You connect Twilio once, own your numbers and recordings outright, and pay carrier rates with no markup from us. Setup takes about ten minutes and there are step-by-step videos.
Start dialing free
500 leads and 1 seats at no cost, on your own Twilio account. Pro is $29 a month per 3-seat pack when you outgrow it — never priced per user.
Other MCA shop team sizes
- Dialers for merchant cash advance & business fundingthe trade overview, any team size
- MCA shop with 3 reps$29/mo software
- MCA shop with 25 reps$261/mo software
- MCA shop with 50 reps$493/mo software
Compare against what you use now
- DialSheet vs Dialpad~$15–25/user/mo · per-seat
- DialSheet vs JustCall~$19–89/user/mo (annual) · per-seat
- DialSheet vs RingCentral~$20–45/user/mo · per-seat
- DialSheet vs CallHub~$25+/user/mo plus usage · per-seat plus credits
Similar trades
- Accountancy & bookkeeping firmsPractices running outbound floors to win limited-company and payroll clients.
- B2B appointment setting agenciesAgencies dialing on behalf of client companies and booking their calendars.
- SaaS & B2B SDR teamsSales development reps booking meetings into an account executive calendar.
- Staffing agenciesAgencies calling candidates and hiring managers on both sides of the desk.
Guides worth reading next
- What a power dialer actually costs2026 price survey across 10+ tools
- Twilio cold calling costthe wholesale maths behind these numbers
- Warming up a new numberkeeping answer rates up as volume climbs
- Calls per day before spam-likelyhow fast a number burns at team volume
- Cold call script templatesscripts new reps can follow on screen
- Setup tutorialsTwilio connection, importing, first call