You underwrote a business. You’re collecting from a person. Do you know where that person is?
Batch skip tracing and contact append for MCA funders, ISOs, factors and equipment lenders. Locate guarantors after default, re-verify merchants before renewal, and stop dialing dead lead lists. 98% cell phone hit rate, and rows that don’t match are free.
Nothing about the file you underwrote on stays true
Prospecting
Bought ISO lead lists arrive half-disconnected. Your floor sells the dial, and a disconnect costs exactly what a conversation does.
Collections
The merchant stopped remitting. The number on the PG went to voicemail three weeks ago. The business address is a UPS store. You have a guarantor and no way to reach them.
Enforcement
Judgment entered. Now you need the guarantor’s current address, the relatives they moved in with, and whether there’s a bankruptcy filing you should know about before you spend on the next step.
Renewal
The renewal pitch is the cheapest origination you’ll ever do — if the contact data on the file is still true nine months later.
What comes back on a guarantor file
Current address
With county and first / last seen — the one after the business address stopped answering.
Up to 5 phones
Tagged Mobile / Residential / Listed Landline / Other, with dates. A live mobile is what reaches a guarantor who’s stopped picking up the office line.
Up to 5 emails
Each with first-seen and last-seen dates.
Up to 5 relatives and associates
With their own phones and addresses — the spouse on the joint account, the sibling whose address the mail is forwarding to.
Bankruptcy flag
An automatic stay you’d rather know about before the demand letter goes out.
Deceased flag and age
For identity confirmation against the PG.
- JORDAN A. WHITFIELD · 1180 MERIDIAN ST · TOLEDO, OH 43604 · REF 55-30918
- Current address 2210 Halstead Ave, Mesa AZ 85204 · first seen 2025-11 · last seen 2026-08
- Phone1 555-203-0904 (Mobile) · last seen 2026-08 · Phone2 555-201-0217 (Residential) · last seen 2024-01
- REL1 Renata L. Whitfield · SPOUSE · 555-205-0138 · Bankrupt: N · Deceased: N
Illustrative record. Not a real guarantor or advance.
Built for a book, not a single search
- Upload the portfolio as-is — CSV or XLSX out of your servicing platform
- Original columns come back untouched with the appended fields beside them
- Up to 250,000 rows in five to seven minutes, bulk upload or API
- A full book re-verified before the Monday pipeline meeting
- Unmatched rows are free, so running the whole book quarterly is a rounding error
- Your file is never retained and never resold
Priced on what comes back
Industry standard is about $0.20 a row. Your BatchIQ rate is set on the call, against what you pay today. Users paying $0.20 a row could save $60,000 per million rows or more.
Rows that come back empty are billed at $0.00.
Bring 20 guarantors you’ve already lost
Run them free, no credit card. If we find the ones your collections team couldn’t, you’ll know inside five minutes.
Frequently Asked Questions
Find the guarantor
Working 1,000+ records a month? Book the call and we price you at your volume.