The Truth About Those Random Funding Calls and Texts (And Why Smart Business Owners Are Saying No)

Tired of spammy funding calls? Blog by Enrado Capital explaining how to avoid shady business loan offers.
Written By
Dane Larsen
Published on
May 21, 2025

If you’re a business owner, you already know the drill:
Your phone buzzes. It’s another text promising “$250K same-day funding,” or a call from someone claiming they’ve “pre-qualified” your business for a line of credit.

You didn’t request it. You didn’t consent to it. And yet here it is — again.

So what’s really going on here? And more importantly, what should you actually do if you need funding?

Let’s break it down.


1. The Reality Behind the Spam

These constant calls and texts aren’t coming from real lenders. They’re coming from brokers — often working off mass-purchased lead lists or scraped data.

The pitch is vague. The urgency is high. And the goal is simple:
→ Get you to engage, collect your info, and blast it out to anyone who might say yes.

  • No real discovery

  • No understanding of your business

  • No alignment with your goals

Just a fast, transactional push for commission.


2. The Hidden Risks of Working With These Shops

  • Your info gets blasted to 10+ lenders at once

  • Multiple hard credit pulls may hit both personal and business credit

  • Offers often come with bad structures, short terms, and inflated paybacks

  • Zero accountability when things go sideways

And often, what starts as a quote for $100K becomes a contract for $35K with 50% fees buried in the fine print.

By the time you realize what’s happening, the relationship is already transactional — and you’re the one holding the bag.


3. What a Real Funding Process Should Look Like

If you’re serious about securing capital, you deserve better.

  • Soft Pull ONLY: Your credit should never take a hit just to check options

  • Transparent communication: You should know the lender, the terms, why the deal makes sense, and how it benefits you both now and in the long run

  • Real discovery: The broker should understand your goals, not just push paperwork

  • Multiple options: You should have real choices — not just whatever fits one lender’s box


4. What Makes Enrado Different

Let’s be blunt: Most of the brokers blowing up your phone don’t actually care about your business. We do.

We’re not scraping lead lists and firing off generic templates.
We’re not shopping your credit across 10 platforms behind your back.
We don’t believe in pressure, padding, or pricing that puts your business at risk.

At Enrado Capital, we operate differently:

  • We run a soft-pull-only process from start to finish

  • We fund through a vetted network of trusted lenders, and we’ll be fully transparent about each lender’s pros and cons

  • We only move forward when the deal actually aligns with your needs

  • We prioritize long-term savings and sustainable structures over quick commissions

We’ve helped facilitate over $100 million in small business funding because we take the time to get it right.


5. The Bottom Line

The next time your phone lights up with a too-good-to-be-true offer from a random number, ask yourself:

Who are they really working for?
And what are they actually offering?

If you’re ready to work with a partner who puts your business first — we’re here when you are.

👉 Start here – it takes 90 seconds

Or just shoot us a message. We’ll talk it through — no spam, no pressure, and definitely no surprises.

Enrado Capital — Small Business Funding, Done Right.

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