Nine funding calls hit before noon while the crew is still hanging board. Use a 20-second screen: product type in plain English, no bank logins, written terms only. The goal is fewer interruptions and clearer comparisons, not a promise that every call stops.
This is general information, not legal or financial advice.
What should the first 20 seconds of the call accomplish?
Identify the company, the product type in plain English, and whether they mean equipment financing, a term loan, a line, or a purchase of future receipts.
If they cannot explain repayment shape without jargon, end the call.
What documents are off-limits on a cold call?
Live bank logins, remote-control access, and same-hour photo dumps of full statements to an unverified number.
Ask for a written summary first. Deeper tactics: https://mcafax.com/notebook/stop-mca-broker-calls and stop the calls part 1 the script.
How do you compare a real equipment need during call noise?
Park the call, open your equipment cash map, and use https://mcafax.com/notebook/construction-business-loans plus how to get equipment financing.
Separate receipt products with equipment financing vs merchant cash advance. Official SBA reading: https://www.sba.gov/funding-programs/loans/7a-loans (SOP 50 10 8.1).
What log should the office keep?
Date, number, company name given, product claimed, documents requested, and whether written terms arrived. Patterns matter more than memory.
Worked example
All names and numbers are made up.
River Framing logged 9 funding calls before noon on a school job with a $28,000 payroll due Friday and $12,400 of material bills due the same week. Three callers asked for live bank access. Two pitched daily remittances as equipment money. River refused logins, requested written terms, and kept the $28,000 payroll intact.
What is the jobsite screening checklist?
- Ask product type in plain English
- Refuse live bank logins
- Request written terms before documents
- Log caller details
- Compare offline against your cash map
Field note: drywall and framing owners describe funding voices that want a cut of every invoice. That is a different product than an equipment note on a machine.
Before you act, align the cash dates, the written quote or program page, and the next payroll. Keep equipment loans and leases separate from any offer that buys future receipts.
Use https://mcafax.com/notebook/construction-business-loans for contractor context and https://mcafax.com/notebook/where-to-get-business-funding when you compare funding paths.
