A2P 10DLC registration for MCA and business funding

Last updated: October 26, 2026

Every business that texts from local numbers in the US has to register for A2P 10DLC. Merchant cash advance and business funding shops get a closer look than most, so the details of your registration decide whether your texts deliver.

The short answer

  • Register a brand (your legal business) and a campaign (what you text and why).
  • Make the legal name and EIN match the IRS record exactly.
  • Show a privacy policy, terms and an SMS consent statement that match the campaign.
  • Describe your own business plainly. Shared or resold consent is not allowed.

1.What 10DLC is

10DLC means a regular ten-digit local phone number used for business texting. A2P means application to person: messages sent from software rather than typed on a phone. US carriers require every business sending A2P texts on 10DLC numbers to register through The Campaign Registry, so they know who is sending and what.

Registration has two parts, a brand and a campaign, and each number you send from is attached to an approved campaign.

2.Registering your brand

The brand is your legal business. Carriers verify:

  • The legal business name, exactly as it appears on your IRS record.
  • Your EIN.
  • Your business address, website and a contact who works there.

A trade name or a missing suffix (LLC, Inc.) is enough to fail verification. Use the name on your EIN letter.

3.Registering your campaign

The campaign describes what you will text. Reviewers read every field:

  • Description. Who you are, who you text and why, in plain words. For example, that you text business owners who asked about working capital.
  • Sample messages. Real examples that name your business and include opt-out language. They should look like what you will actually send.
  • How people opt in. Where and how a merchant agrees to receive your texts, with a link or screenshot of the form.
  • Opt-out and help replies. What a merchant gets back after STOP or HELP.

4.What your website must show

Reviewers visit your site. It should have:

  • Your business name, matching the brand.
  • A privacy policy that says mobile numbers and SMS consent are not shared with or sold to third parties for marketing.
  • Terms that cover your text program: message frequency, rates, STOP and HELP.
  • An SMS consent checkbox on any form that collects phone numbers, unchecked by default, whose wording matches the campaign you registered.

A consent form that says one thing and a campaign that says another is a common and avoidable rejection.

5.Why MCA campaigns get rejected

  • Brand details that do not match the IRS record.
  • A website that is missing, unfinished or about a different business.
  • No privacy policy, or one without the no-sharing language for SMS consent.
  • Sample messages with no business name or no opt-out language.
  • A campaign that looks like lead generation for other companies. Carriers do not allow consent to be collected for, shared with or sold to another business. Describe your own funding business and text only your own leads.
  • Content carriers treat as high risk, such as promises of guaranteed approval.

6.Throughput and daily caps

Once approved, your brand gets a trust score that sets how fast you can send and, on some carriers, how many messages a day your brand can send to their subscribers. Hit the cap and further messages fail until the next day.

Sending at a steady pace and keeping opt-out and complaint rates low protects your score. Our filtering guide explains the error codes you will see when a limit is hit.

BlastWiz registers your 10DLC brand and campaign for you, so your numbers are carrier-registered before your reps send. Talk to our team about getting set up.

Questions brokers ask

How long does 10DLC registration take?
Brand checks often come back within minutes to a day. Campaign review usually takes longer, and a rejection restarts the wait, so it pays to submit a campaign that is complete and consistent the first time.
Can I text before my campaign is approved?
No. Carriers block or heavily filter messages from local numbers that are not tied to an approved campaign.
Can several companies share one registration?
No. A brand is one legal business, and consent collected by one company cannot be passed to another. Each shop registers its own brand and texts its own merchants.
Does my EIN have to match exactly?
Yes. The legal name, EIN and address should match the IRS record for the business. Small differences are one of the most common reasons a brand fails verification.

Ready to text more merchants?

Tell us about your volume and lists. We will map BlastWiz to your floor, handle 10DLC, and get your reps sending.