Where the lookup data comes from

Merchant reports

Business owners using MCAFax log the calls, texts and emails they get, with the number or email that contacted them and, where the caller said so, the company. We publish those reports only in aggregate: the number or email, the kind of caller merchants reported (one of six labels), how many distinct merchants reported it, and the first and last report dates. The lookup summary has exactly two forms: "Reported by merchants as associated with <shop>" or "Reported by merchants as a <category label> number".

Never published: who made a report, their contact details, their business, the text of a report, or any individual caller's name. Nothing about the person who runs a lookup is recorded against the number.

Merchant reports, checked in an MCAFax review

Some entries were also reviewed by MCAFax against the reported email's domain and public pages, which is how a caller type other than the merchant-reported one can be assigned. The review does not verify the business; every entry stays unverified until MCAFax confirms it.

Websites derived from an email domain

When merchants reported an email like name@example.com, the website example.com is shown as "derived from a reported email domain, not verified". It has not been checked and may belong to someone else.

State registrations

Where present, a state registration comes from the state's public registry. Most entries have none yet.

The six caller types

• MCA / business-lending broker (broker)
• debt collector (debt_collector)
• lead-generation / marketing (lead_gen)
• direct lender (direct_lender)
• vendor (vendor)
• business caller (other)

Those are the only labels. MCAFax does not rate businesses, publishes no figure other than the number of merchant reports, and does not call any business names.

Aging

A fact or an association that MCAFax has not re-verified within 365 days is hidden from lookups and pages. Directory seed v1.2 (174 entries, 1,849 numbers and emails) was imported on 2026-10-26; its entries age out 365 days after that unless re-verified.

Corrections and removal

Anyone, including a listed business, can ask for a correction or removal: a number or email (for example a reassigned number) or a directory entry. You can also email disputes@mcafax.com or corrections@mcafax.com. The entry is hidden while under review. We acknowledge within 2 business days and decide within 5, and log every outcome on the change log without the requester's details.

The API

The same data behind the page is at /v1 (OpenAPI): one phone or email per lookup, 10 lookups an hour and 30 a day without a key, 100 a day with a key. There is no batch lookup, and no endpoint lists or exports the reported numbers and emails; the export carries shop fields only.

MCAFax Data Terms of Use

General information, not legal advice. These terms cover data from the MCAFax API and exports. They are separate from the Apache-2.0 license, which covers only the skill code.

1. Read-only use. You may look up and read the data.
2. No warranty. Data is provided "as is". Matches are possible matches in MCAFax's records, not proof of who called. Numbers get reassigned.
3. No harassment of, or marketing to, any listed contact.
4. No resale or sublicensing of the data.
5. No building bulk rep-contact lists from lookups. No enumeration or automated scanning of numbers or emails.
6. Attribution required for exports: "Source: MCAFax directory".
7. MCAFax may rate-limit, suspend, or revoke keys or access at any time.
8. Corrections: mcafax.com/directory/correction or corrections@mcafax.com. Disputes about a number or email: mcafax.com/lookup/dispute or disputes@mcafax.com.
9. Not legal advice. MCAFax is not a law firm.