1.Rules for a first text
- Say who you are and the business you text for.
- Ask one question that is easy to answer with a word.
- Include opt-out language such as “Reply STOP to opt out”.
- No link in the first message. Send it once the merchant replies.
- One segment, under 160 characters, so it arrives in one piece.
2.First touch
Hi {first_name}, it's {user.first_name} with Acme Funding. Is {company} looking for working capital this month? Reply STOP to opt out.
{first_name}, {user.first_name} at Acme Funding. Would extra capital for {company} help right now, yes or no? Reply STOP to opt out.
Hi {first_name}, quick question from {user.first_name} at Acme Funding: are you still the owner of {company}? Reply STOP to opt out.
Replace Acme Funding with the business name on your 10DLC registration. The last one works well on older lists because it is easy to answer.
3.Follow-ups
Hi {first_name}, following up. If funding isn't a fit right now, just say so and I'll check back later.
{first_name}, are you open to a 5 minute call this week about capital for {company}?
Last note from me, {first_name}. If you need working capital later, this is my direct line. {user.first_name}
4.Old and cold leads
Hi {first_name}, it's {user.first_name} at Acme Funding. We spoke a while back. Is {company} still growing? Reply STOP to opt out.
{first_name}, offers and terms have changed since we last talked. Want me to see what {company} qualifies for today? Reply STOP to opt out.
5.Applications and documents
Thanks {first_name}. Here's the short application, it takes about two minutes: [your link]
Hi {first_name}, we just need your last 3 months of bank statements to send {company} an offer. You can reply here or email them to me.
6.Renewals
Hi {first_name}, {company} may be eligible for a renewal based on your payment history. Want me to check?
{first_name}, you're past the halfway point on your current advance. Want to see what more capital would look like?
7.Words to keep out
These read as spam to carriers and to merchants:
- “Guaranteed approval”, “no credit check”, “100% approved”.
- Words in capitals, dollar signs and exclamation marks.
- Public link shorteners. Use your own domain.
- Anything that sounds like a payday loan or debt relief offer.
Templates only work on lists that deliver. Read how to text UCC leads and the compliance basics before you send.
Questions brokers ask
- Do I need opt-out language in every text?
- Put it in the first message to every merchant and repeat it from time to time. Carriers look for it, and it keeps complaints down. STOP must always work, whether or not the message mentions it.
- How many follow-ups should I send?
- Two or three spaced over a week or two is enough for most lists. After that, rest the lead and come back with a different message weeks later rather than texting it every day.
- Should I test different messages?
- Yes. Keep a few versions of each message, see which gets more replies from which lists, and keep the winners. Personal messages also read less like a mass blast.