No one likes getting cold calls, and email inboxes are already war zones. But a quick text? That feels personal, simple, and easy to reply to. That’s why SMS is the most underrated growth hack for MCA businesses. And with Easify, you don’t have to overthink it. We’ve already built the system that works.
Old-school marketing tactics like cold calling and lengthy email sequences feel about as effective as selling ice to penguins. You need something faster. Something more direct. Something that cuts through the noise and lands right in your merchant's pocket.
What’s that? SMS marketing.
Text messages get opened within 3 minutes of delivery. They're personal. They're immediate. And when done right with a platform like Easify, they turn your phone into the most powerful sales tool in your arsenal.
Why SMS Marketing Works for MCA Businesses
Email open rates in the financial sector hover around 18–22%. Not terrible, but not exactly setting the world on fire either. SMS open rates? 98%.
Your merchants live on their phones. They check texts while walking between meetings, during coffee breaks, even in the middle of conversations (don't tell anyone we said that). When cash flow gets tight and stress levels spike, guess what they're staring at most? That little screen in their hand. Meet them there.
SMS lets you communicate with merchants instantly. No waiting for them to sift through 47 promotional emails. No wondering if your message got buried in their spam folder. Your offer lands directly in their text thread, right between messages from their family and their business partner.
The personal touch makes all the difference. Instead of “Dear Valued Customer,” you're texting:
“Hey Mike, saw your application - you're pre-approved for $75K. Interested?”
It feels like a conversation between real people, not a form letter from Corporate America.
And here's the kicker: SMS marketing costs a fraction of what you're probably spending on Google Ads or Facebook campaigns. While you're burning through ad budget hoping someone clicks, a single text message costs pennies and often converts at 10x the rate.
Reach Merchants at the Right Time
Timing in the MCA business isn't everything — it's the only thing.
A merchant drowning in cash flow problems at 10 AM might be your easiest close of the month. The same merchant with a full bank account at month-end? Good luck getting their attention.
SMS marketing with Easify lets you strike when the iron is hottest. You can send funding offers when cash flow is tight, triggered by real business events that matter.
Think about it: January hits and retail merchants are recovering from holiday inventory spend. Restaurant owners face the winter dining slump. Construction companies deal with seasonal project delays.
These aren't random events. They're predictable cash flow crunches that create perfect opportunities for funding offers.
Smart MCA companies sync their SMS campaigns with their CRM data. When a merchant's account shows specific triggers, like a seasonal sales dip, an automated text goes out:
“Hi Mike, noticed business has been slower this month. We have $40K available with same-day funding. Want details?”
The merchant doesn't feel like just another number in your database. They feel understood — like you actually pay attention to their business needs.
SMS Use Cases for MCA Companies
Texting has become more than a convenience for MCA providers. It’s part of the daily workflow. From chasing down documents to sending quick approvals and keeping renewals on track, SMS helps cut the delays and close deals faster.
Here’s how leading MCA companies put it into action:
Lead Nurturing
Someone fills out your online application at 11 PM on a Sunday. By Monday morning, they've forgotten they even applied. Your competition swoops in Tuesday with a phone call.
Or... they get this text at 11:03 PM:
“Thanks for applying, David! Your application looks good. I'll have funding options for you by 9 AM tomorrow. - Jessica”
Suddenly, you're the MCA company that actually cares — the one that responds immediately instead of playing business-hours games.
Funding Reminders
Your underwriting team pre-approves a merchant for $60K. Great news, right? Except the merchant doesn't know because the approval email is sitting unread in their inbox.
SMS cuts through the clutter:
“John, great news! You're pre-approved for $60K with 24-hour funding. Ready to move forward?”
Pre-approvals have expiration dates. SMS ensures merchants see them while they're still hot.
Upsell & Cross-Sell
A merchant just paid off their $25K advance ahead of schedule. Their business is clearly growing. Perfect time for a larger offer.
“Congrats on paying off your advance early, Lisa! Based on your recent deposits, you now qualify for up to $75K. Interested in hearing terms?”
The timing makes it consultative instead of pushy. You're not randomly pitching — you're responding to their business success.
Renewals
Six months after payoff, former customers often need funding again. Your emails might get ignored. Text messages? They get responses.
“Hey Tom, it's been 6 months since your last advance. Business looking good for another round of funding?”
That works.
Event Invites
Hosting a webinar about cash flow management? Inviting merchants to a local business networking event? SMS gets way more RSVPs than email invitations.
“Sarah, you're invited to our free Cash Flow Masterclass next Tuesday at 2 PM. 30 minutes, actionable tips, no sales pitch. Register here: link”
Best Practices for SMS Campaigns
How long should a text be?
SMS marketing isn't just shortened email marketing. It's a completely different art form that requires its own approach.
Keep texts short and clear. You have 160 characters to make your point. Use them wisely.
Bad example:
“We hope this message finds you well. We wanted to reach out regarding potential funding opportunities that might be beneficial for your business operations.”
Good example:
“Hi Sarah, you're pre-approved for $50K with same-day funding. Interested? Reply STOP to opt out.”
It’s all in the name
Personalization matters more in SMS than any other channel. Generic texts feel like spam. Personal texts feel like conversations.
CTAs above anything else
Strong CTAs drive action. Weak CTAs drive nothing.
- Weak CTA: “Let us know if you're interested.”
- Strong CTA: “Reply YES for instant approval.”
Timing matters
Send texts during business hours when merchants can actually respond. Nobody wants funding offers at 2 AM (well, maybe insomniacs, but that's not your target market).
Opt-outs are important
Always include opt-out options. It's not just about compliance. It also helps build trust.
“Reply STOP to opt out”
shows you respect their communication preferences.
Compliance Matters
Let's talk about the elephant in the room: TCPA compliance.
The Telephone Consumer Protection Act isn't just a suggestion — it's law. And violations can cost you per illegal text. Send 1,000 non-compliant messages and you could be looking at a seven-figure lawsuit.
Here's what you absolutely must do:
- Get explicit opt-ins. Not implied consent. Explicit, clear permission to send SMS marketing messages.
“By checking this box, I agree to receive text messages about funding offers from Company Name. Message frequency varies. Reply STOP to opt out.”
- Make opt-out easy. “Reply STOP” should immediately remove them from your list.
- Document everything. Keep records of opt-ins, opt-outs, and message logs.
Compliance isn't just about avoiding lawsuits. It builds trust. Merchants who know you respect their communication preferences are more likely to do business with you.
Why Choose Easify for MCA SMS Marketing
Every SMS platform claims to be the best. Most are built for general marketing, not the specific needs of MCA companies.
Easify gets it. We understand your business.
- Easy CRM integration – Your existing customer data flows seamlessly into SMS campaigns.
- Automated workflows – Set up triggers for pre-approvals, renewal offers, and follow-up sequences.
- Personalization at scale – Use merge fields for names, funding amounts, and business details.
- Two-way texting – Real-time conversations instead of voicemail tag.
- Analytics – Track opens, clicks, conversions, and ROI.
Example Campaign
Here’s how one MCA company used Easify to transform their conversion rates.
They were struggling with low email response rates, endless phone tag, and deals taking weeks to close.
They implemented a simple SMS workflow through Easify:
Day 1: Application received
“Thanks for applying, Jennifer! Your info looks good. I'll have funding options ready by tomorrow morning. - Mark”
Day 2: Pre-approval ready
“Good news! You're pre-approved for $45K at 1.2 factor rate. Fund in 24 hours. Ready to proceed?”
Day 4: Follow-up (if no response)
“Hi Jennifer, your pre-approval expires Friday. Still need funding? Takes 2 minutes to accept.”
Results:
- Application-to-funding time dropped from 12 days to 4 days
- Response rates increased 340%
- Monthly funding volume grew 28% — without adding staff
The secret wasn’t complicated messaging. It was consistent, timely communication that met merchants where they already were — on their phones.
Tips to Maximize ROI for MCA Business
SMS marketing works best as part of an integrated approach, not a standalone channel.
Combine SMS with email and ads. Use SMS for urgent, time-sensitive messages. Use email for detailed information and documentation. Use ads for initial lead generation.
Follow up cold calls with instant texts:
Test everything. Message content, send times, CTAs, and personalization levels. What works for retail merchants might flop with restaurants.
Re-target old leads with new SMS campaigns:
Conclusion
While your competitors are still waiting for email responses and playing voicemail tag, you can be closing deals through text messages.
The merchants you want to reach are already on their phones. The question isn’t whether SMS marketing works for MCA businesses — it’s how much longer can you afford to ignore it?
Easify makes SMS marketing simple, compliant, and profitable. Our platform was built specifically for financial services companies like yours who need results, not just features.
Ready to turn your phone into a closing machine? Start your free 7-day Easify trial today and send your first campaign by lunchtime.
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Email marketing is more budget-friendly than SMS Marketing for large campaigns, though SMS delivers higher engagement and conversion rates that drive faster results.