{{ heroEyebrow }}

{{ heroTitle }}

{{ heroSub }}

{{ calcLabel }}
{{ calcBig }}
{{ calcSub }}
The three channels

Compare the economics

Highest skill · highest payout

Mail Calls

Inbound calls from people who got a direct-mail piece and picked up. The strongest intent of any source.

Avg net commission$8,260 − $1,900 cost to fund
$6,360
Cost / lead
$140
Conversion
7.4%
Leads / fund
~14
Endorsed tool: FlowLearn more →
Balanced · warm

Live Transfers

Pre-qualified prospects transferred to you live, already warmed up and expecting your call. A balanced middle ground.

Avg net commission$6,459 − $1,490 cost to fund
$4,969
Cost / lead
$85
Conversion
5.7%
Leads / fund
~18
Endorsed tool: FlowLearn more →
Volume play

Aggregate Leads

High-volume internet leads at the lowest cost per lead. You win on volume and relentless, automated follow-up.

Avg net commission$4,980 − $1,377 cost to fund
$3,603
Cost / lead
$27
Conversion
2.0%
Leads / fund
~51
Endorsed tool: Flow AgLearn more →
See every KPI side by side →
How to win each channel

The EMC tool for your lane, and the play

{{ howIntro }}

EMC tool · pay-per-call

Pay-per-call mail, built into Flow

Skip the thousands spent testing mail pieces. EMC runs the direct mail; you buy the inbound calls on a pay-per-call basis, so you only pay when a high-intent borrower is on the line. Calls come on your schedule, so you never pay for calls you can't take.

How to win
  • Answer every call, instantly. A missed mail call is money on the floor. These are high-intent, one-shot conversations.
  • Run a tight phone process. Strong open, quick discovery, a real quote, and ask for the application on the call.
  • Coach with Call Ranking. Review your calls, fix one thing at a time, and watch your close rate climb.
  • Log it before you hang up and set the next follow-up in your CRM.
See the full Mail Calls playbook →
EMC tool · pay-per-call

Pay-per-call live transfers, built into Flow

Warm, pre-qualified prospects transferred to you live. You pay per call, not a big upfront spend, so your cost scales with real conversations. You set when you're ready and transfers flow in then, so you never miss a paid call.

How to win
  • Be ready in your transfer windows. The prospect is on the line right now. Clear your calendar and your head so you're sharp.
  • Quote on the spot so you hand them a real number while interest is at its peak.
  • Set the follow-up immediately. Most that don't close today will close with a steady cadence over the next week.
See the full Live Transfers playbook →
EMC flagship

Flow Ag

EMC's in-house quote-and-aggregation tool, and the flagship for working internet leads at volume. Leads land in one place, you quote instantly with EMC pricing built in, and everything routes straight into your pipeline.

How to win
  • Route every lead into Flow Ag. One place to quote, work, and track. No tab-juggling, no leads slipping through.
  • Win on speed. At this volume the first to respond wins. Make the first touch happen in seconds.
  • Follow up relentlessly. Many touches over many days. The money is in the cadence, not the first call.
  • Watch your cost-per-fund. Cheap leads plus a tight system is how this scales. Track it in the calculator.
See the full Aggregate Leads playbook →
Behind every channel

The stack that runs under all of it

{{ stackIntro }}

CRM · system of record

Flow

Your whole business in one place — pipeline, lender lists, training, coaching, and live reporting.

Calls · AI coaching

Call Ranking

AI scores every call and hands you the exact line to say next time. Coaching, not oversight.

Web presence · free leads

Microsite & LO Match

A 24/7 quote site, plus borrower matches from EMC's ads — at no lead cost to you.

Marketing · done for you

Marketing Library

Cards, flyers, social, QR codes, and auto "just-funded" posts — ready from day one.

Loan origination

LendingPad

Web-based LOS that runs in any browser, with nothing to install.

Recapture

MonitorBase

Alerts you the moment a past client starts shopping, so you win the repeat first.

You've got the roadmap

{{ finalHead }}

{{ finalSub }}

{{ ctaText }}