The difference between eligibility lists and borrowing intent
Most business loan leads sold online are eligibility data: businesses that could qualify based on revenue, time in business, or an old UCC filing. Eligibility without timing produces cold calls. Indicato sells timing — observable events that a business is preparing to borrow. A licensing change precedes expansion capital. A Form D raise creates a bridge window. Hiring bursts strain payroll, and a live web session comparing SBA lenders shows active shopping. Correlated per company and scored for urgency, these events surface borrowers days or weeks before they fill out an application anywhere.