Your phone rings at 7am. A text comes in at 9pm. Another voicemail from a company you have never heard of asking if you need business funding. You said no last week. You said no the week before. They keep calling anyway.
This is not an accident. The moment you submitted your information through a generic online funding form, that data was sold to lead aggregators who distributed it to dozens of brokers simultaneously. You became a commodity. None of them know your business. None of them are going away on their own — unless you make them.
Here is exactly how to do that.
Generic "get a business loan" forms and comparison websites make their money by selling your contact information — not by finding you the best deal. The moment you click submit, your name, phone number, and email get blasted to every broker who paid for that lead category. One form submission can generate 10 to 100 contacts overnight.
Each broker treats you as a fresh sales lead. When you say no to one, the other 50 still have your information and plan to call. This is why blocking individual numbers does not work long term — there are always more behind them.
Go to donotcall.gov and register your phone number right now. It takes less than two minutes and it is completely free. Once registered, telemarketers are legally prohibited from calling your number.
After 31 days, any unsolicited sales call to your registered number is illegal under the TCPA. Each violation can be worth $500 to $1,500 per call in statutory damages — and you can report them.
Under the TCPA, any company sending marketing texts is legally required to honor an opt-out request immediately. These exact words work:
| Word to Send | Legal Basis | Works On |
|---|---|---|
| STOP | TCPA required — must remove you immediately | SMS / Text |
| UNSUBSCRIBE | Standard email and SMS opt-out signal | Email + SMS |
| CANCEL | Alternative TCPA-recognized opt-out word | SMS |
Important: Screenshot every STOP reply you send and note the date. If texts continue after you reply STOP, that screenshot is your evidence for a TCPA complaint worth $500 to $1,500 per message.
For brokers who keep calling after you have asked them to stop, a cease and desist notice puts them on formal legal notice. Once sent, any further contact is a documented TCPA violation. Copy either template below and send it directly.
If calls or texts continue after you have registered on the Do Not Call list or sent a cease and desist, report the violation. The FTC uses complaints to build cases against repeat violators and you may be entitled to compensation.
| Resource | Purpose |
|---|---|
| reportfraud.ftc.gov | File complaints about unwanted calls, texts, and robocalls |
| donotcall.gov/report | Report specific Do Not Call registry violations |
Legal routes take time. These free apps give you immediate relief while your registrations take effect:
| App | Platform | What It Does |
|---|---|---|
| Silence Unknown Callers | iPhone | Sends all unknown numbers straight to voicemail — zero rings |
| Filter Spam Calls | Android | Built-in spam detection and automatic screening |
| Nomorobo | iOS + Android | Intercepts robocalls before your phone rings |
| Hiya | iOS + Android | Identifies and blocks spam callers automatically |
| RoboKiller | iOS + Android | Blocks spam and answers with AI to waste their time |
This is the root cause. Every generic funding form you submit sells your data to aggregators who blast it to dozens of brokers. You become a product the moment you click submit. The only permanent fix is to stop using those forms entirely.
Only apply through direct, trusted channels where your information stays with one company and is never sold or shared. At AI MCA Exchange, your data stays with us — period. We will never call you unsolicited, never text you out of nowhere, and never share your information with third parties.
Download the full Merchant Protection Guide — cease & desist templates, call blocking tools, your legal rights, and how to report violations for up to $1,500 per call. Create a free account to access it.
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