Reach properly consented merchants, respond to funding inquiries, manage follow-ups, and keep applications moving with an MCA texting platform built for organized business communication.
No credit card required. A2P 10DLC registration assistance is available.
Merchant cash advance teams need a structured way to move from first inquiry to clear next steps without losing context across reps and stages.
MCA teams often manage new inquiries, incomplete applications, document reminders, underwriting updates, and existing-client follow-ups at the same time. When those touchpoints live across phones, spreadsheets, and disconnected tools, response times slip and merchants receive uneven communication.
TextTorrent centralizes bulk campaigns, scheduled messages, two-way conversations, templates, contacts, sub-accounts, and analytics so funding teams can keep outreach organized by stage.
Texting should be based on appropriate consent and matched to the merchant’s current funding stage. That means acknowledging real inquiries promptly, sending useful next steps, and stopping outreach when a conversation is complete or a recipient opts out.
Use SMS to guide consented merchants through clear stages, while keeping sensitive financial details out of ordinary text messages.
Immediately acknowledge a properly consented request so the merchant knows the inquiry was received.
Ask a focused question or schedule a representative call before sending longer application materials.
Send the requested application through a secure link instead of collecting sensitive details over SMS.
Remind the merchant to finish an application without repeatedly contacting them beyond what is appropriate.
Identify the outstanding document and direct the applicant to a secure portal for submission.
Confirm receipt and communicate appropriate status changes as the review progresses.
Introduce the assigned representative and continue the conversation through two-way SMS.
Stop the sequence when the goal is completed or the recipient opts out, and keep suppressions consistent across campaigns.
TextTorrent provides the communication platform for MCA outreach and follow-up. It does not provide funding, underwriting, lending decisions, or financial advice.
Confirm receipt of a consented funding inquiry and set expectations for the next conversation.
Ask concise qualifying questions that help representatives prioritize follow-up.
Propose times, confirm appointments, and reduce missed conversations with short reminders.
Send a secure application link when a merchant is ready to continue the process.
Prompt merchants to finish applications that were started but not submitted.
Name the outstanding document and point applicants to a secure submission location.
Share appropriate progress updates without exposing sensitive review details over SMS.
Reconnect with prior clients when renewal timing or additional funding conversations are appropriate.
Continue one-to-one SMS threads so merchants can ask questions and reps can respond in context.
Follow up with contacts who engaged with earlier campaigns while respecting opt-outs and suppression rules.
Treat each campaign as a controlled workflow: one objective, verified consent, clear segmentation, and measurable follow-up.
Use these examples as starting points, then customize them for your brand, consent language, and registered campaign details.
Hi [First Name], this is [Representative Name] from [Company Name]. We received your business funding inquiry. When would be a convenient time to speak? Reply STOP to opt out.
Hi [First Name], thank you for your interest in business funding. What funding range are you currently considering?
Hi [First Name], here is the business funding application you requested: [Secure Link]. Reply here if you need help completing it.
Hi [First Name], your application with [Company Name] is not yet complete. You can continue securely here: [Link].
Hi [First Name], we still need your [Document Name] to continue reviewing your application. Please submit it securely here: [Secure Link].
Hi [First Name], we received your documents and added them to your application. We’ll contact you if anything else is required.
Hi [First Name], your application is currently being reviewed. Your representative will contact you when the next step is available.
Hi [First Name], this is a reminder about your call with [Representative Name] on [Date] at [Time]. Reply C to confirm or send us a better time.
Hi [First Name], this is [Representative Name] from [Company Name], following up on your business funding inquiry. Are you still interested in discussing available options? Reply STOP to opt out.
Customize every template to match the actual opt-in, registered campaign, business identity, and applicable requirements. Avoid unverified claims such as “guaranteed approval” or “guaranteed funding.”
Set up your account, complete the required registration, and prepare organized MCA messaging campaigns with guided support. These tools cover campaign sending, conversation handling, reporting, and registration assistance in one workspace.
Create organized MCA bulk SMS campaigns for consented audiences and stage-based follow-up.
Manage merchant replies in context so representatives can continue conversations without losing history.
Schedule messages for appropriate local times instead of sending every follow-up manually.
Store reusable MCA SMS templates for inquiries, reminders, document requests, and status updates.
Keep merchant contacts organized so teams can select the right audience for each campaign.
Group contacts by stage or engagement and follow up with relevant next-step messaging.
Review sending, delivery, reply, and opt-out activity to improve future MCA campaigns.
Organize offices, teams, or client operations with sub-account structures and controlled access.
Get guided support for brand and campaign registration when messaging through local U.S. numbers.
Process STOP requests and maintain suppressed contacts across campaigns and lists.
Use local numbers configured for business messaging as part of your MCA sending setup.
Send image-supported messages when a visual asset helps explain the next step.
Route inbound calls and capture voicemail when merchants prefer to speak with a representative.
Connect messaging workflows to lead forms, CRMs, and internal MCA systems where supported.
Work with supported messaging gateways based on your plan and implementation needs.
Access messaging workflows from mobile apps so representatives can respond while away from the desk.
Unused credits roll over while the subscription remains active.
U.S. application-to-person messaging through local 10-digit numbers generally requires A2P 10DLC registration before high-volume business sending can operate reliably.
Brand and campaign information should match the company’s legal details, EIN documentation, website, opt-in flow, campaign description, and sample messages.
Registration identifies the sender and messaging use case for carrier review.
Registration does not create recipient consent, replace legal obligations, guarantee approval, or guarantee delivery.
Purchased leads should not automatically be treated as permission to send SMS.
Opt-out requests must be processed promptly across campaigns, sub-accounts, integrations, and manually maintained lists.
Message frequency should be controlled so merchants are not overwhelmed by repeated outreach.
The sender should be clearly identified in business messages.
Misleading funding or approval claims should be avoided in every template and campaign.
MCA teams can evaluate messaging performance and then connect conversation outcomes to the broader funding workflow.
Campaign reporting helps teams understand whether follow-up is reaching merchants and generating useful replies. Start with submitted messages, delivered messages, failed messages, reply rate, opt-out rate, and first-response time.
Operational teams can also track qualified conversations, application completion, document submission, appointments booked, and funded outcomes influenced by SMS. Some of those business outcomes may need to be connected through a CRM or API rather than relying on messaging data alone.
Confirm whether campaigns are reaching merchants.
See how merchants respond and when teams reply.
Connect SMS activity to later steps through CRM or API reporting where needed.
Businesses can connect TextTorrent with lead forms, CRMs, internal MCA systems, webhooks, and supported messaging gateways.
Availability depends on the selected plan, provider, and implementation. Teams commonly connect inbound lead capture to contact creation, route replies into the shared inbox, and pass status updates back to the systems representatives already use.
Supported provider options can include Twilio, Telnyx, Plivo, or another supported provider based on your account setup.
Capture consented inquiries into your messaging workspace.
Keep merchant records and follow-up status aligned.
Connect funding workflows your team already relies on.
Trigger updates when campaign or reply events occur.
Use supported gateway connections for delivery routing.
Choose a plan that matches your messaging volume and team structure. Current published plans include Starter at $49/month with 7,000 credits, Growth at $99/month with 15,000 credits and up to five sub-accounts, Pro at $199/month with 30,000 credits and unlimited sub-accounts, and Bring Your Own Gateway at $199/month subject to the current published plan details.
Everything in our starter plan includes
Everything in starter plus
Everything in growth plus
Full access to all platform features
Answers to common questions about merchant cash advance texting software, registration, and TextTorrent workflows.
An MCA texting platform is business messaging software that helps merchant cash advance companies manage consented SMS outreach, lead follow-up, two-way conversations, templates, scheduling, and campaign reporting from one workspace.
SMS can help MCA teams acknowledge funding inquiries, qualify interest, deliver application links, remind merchants about incomplete steps, share appropriate status updates, and keep representatives connected through two-way conversations.
Yes. MCA companies can send bulk SMS to properly consented contacts when the sending account, numbers, and campaigns are configured for the intended use case. Sending capacity depends on registration, account configuration, available credits, number setup, carrier rules, provider policies, and responsible sending practices.
In the United States, application-to-person messaging through local 10-digit numbers generally requires A2P 10DLC registration. Brand and campaign details should match the company’s legal information, website, opt-in process, and sample messages.
No. Registration identifies the sender and messaging use case for carrier review. It does not create recipient consent, replace legal obligations, guarantee approval, or guarantee message delivery.
Purchased leads should not automatically be treated as permission to send SMS. Teams should verify the contact source, consent records, and applicable requirements before messaging, and they should honor opt-out requests promptly.
TextTorrent supports scheduled messages, templates, segmentation, and campaign workflows that help MCA teams automate follow-ups. Automation should still respect consent, frequency limits, opt-outs, and the merchant’s current funding stage.
Yes. Representatives can manage two-way SMS conversations in TextTorrent so merchant replies stay connected to the same messaging workspace used for campaigns and follow-ups.
MCA teams can track submitted, delivered, and failed messages along with reply rate, opt-out rate, and response timing. Application completion, document submission, appointments, and funded outcomes may require CRM or API connections for fuller reporting.
Published plans currently include Starter at $49/month with 7,000 credits, Growth at $99/month with 15,000 credits and up to five sub-accounts, Pro at $199/month with 30,000 credits and unlimited sub-accounts, and Bring Your Own Gateway at $199/month subject to current published details. Unused credits roll over while the subscription remains active. Review the pricing page for the latest plan information.
TextTorrent can connect with lead forms, CRMs, internal systems, webhooks, and supported messaging gateways depending on the selected plan, provider, and implementation. API documentation is available for technical integration planning.
Timing depends on account setup, registration, verification, configuration, and provider review. Teams can start preparing contacts, templates, and workflows during setup, but messaging readiness is not guaranteed immediately after signup.
