1.Why MCA shops text
Business owners screen calls and skim email, but they read texts. A short text from a real person gets an answer from a merchant who would never pick up a cold call, and a reply opens a conversation your rep can turn into a call and an application.
The catch is that carriers watch business texting closely. Shops that send high volume without registration, pacing or clean lists see their messages filtered and their numbers blocked within days.
2.What to set up before the first send
- 10DLC registration. Carriers require every business sending from local numbers to register a brand and a campaign. Unregistered traffic is blocked. Our 10DLC guide covers what carriers check.
- A website that matches your campaign. Reviewers look for a privacy policy, terms and an SMS consent statement that say the same thing as your registration.
- Enough registered numbers. Each number has a throughput limit, so size your numbers to your volume, all on your approved campaign.
- Opt-out handling. STOP and similar replies must end messages to that number at once, across every rep and every campaign.
- A clean list. Remove numbers that opted out, numbers that failed before and duplicates across vendors. See how to text UCC leads.
3.How a good send runs
Short, plain and personal
The messages that get answers read like a person wrote them: the merchant’s first name, the rep’s name, one question and an easy way to opt out. No capital letters, no dollar signs, no “guaranteed approval”. Our template guide has examples.
Paced, not dumped
Carriers notice sudden spikes. Send in a steady stream and stay within the hours merchants expect to hear from a business.
Replies worked fast
A merchant who answers is warm for minutes, not days. Replies should land in one shared inbox where a rep picks them up, answers and calls when the merchant is ready.
4.The numbers to watch
- Delivery rate. A drop is the first sign of filtering or a bad list.
- Reply rate. Compare it by list and by message, so you know what to send to whom.
- Opt-out rate. A spike means the wrong list or the wrong message. Carriers watch it too.
- Error codes. They tell you whether a number is dead, a phone is off or a carrier filtered you. See what the error codes mean.
- Texts to a reply, and to a funded deal. The real cost of a lead is how many messages it takes before it turns into business.
5.Mistakes that cost shops their numbers
- Sending before registration is approved.
- Sending a whole list in one burst.
- Public link shorteners, which carriers treat as a spam signal.
- Re-texting numbers that opted out or failed again and again.
- Leaving replies for hours, so warm merchants go cold or complain.
- Texting early in the morning or late at night in the merchant’s time zone.
BlastWiz is built around this playbook: 10DLC handled for you, number pooling and pacing across dual carriers, automatic opt-out handling, a shared two-way inbox and click-to-call. See the features or talk to our team.
Questions brokers ask
- Is it legal to text merchants about funding?
- Yes, when you follow the rules: register your numbers for 10DLC, have consent for marketing texts, identify your business, honor opt-outs right away and respect quiet hours. State laws such as Florida’s add their own limits. Talk to your counsel about your lists and your consent language.
- How many texts can one shop send a day?
- It depends on your 10DLC registration. Carriers set throughput and daily caps for each registered brand, and each number has its own throughput limit. Volume that grows steadily delivers better than sudden bursts.
- Should the first text include a link?
- Usually not. A first message that asks a plain question gets more replies and is less likely to be filtered. Send the application link once the merchant answers.
- Do I need a separate texting platform if I already have a CRM?
- Most CRMs can send one-to-one texts, but they are not built to pace thousands of sends across many numbers, manage 10DLC and scrub every list. Shops usually run outreach in a texting platform and keep the CRM for deals.