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 that precedes expansion capital, a Form D raise that creates a bridge window, hiring bursts that strain payroll, or a live web session comparing SBA lenders and rates. Correlated per company and scored for urgency, these events surface borrowers days or weeks before they fill out an application anywhere.