# CashAdvanceDaddy.ai — Complete Technical & Regulatory Specification (llms-full.txt)

## 1. Mandatory Commercial & MCA Disclosures
- **B2B Disclosure**: © 2026 CashAdvanceDaddy / GoBuyLeads LLC. Commercial Business Funding & Revenue-Based Financing Marketplace. Strictly for commercial business entities; not a consumer lender. Inquiries are routed via GoBuyLeads.com to participating commercial funding providers and Zoom Pay LLC merchant services.
- **MCA Disclosure**: © 2026 CashAdvanceDaddy / GoBuyLeads LLC. Commercial Business Funding & Revenue-Based Financing Marketplace. Strictly for commercial business entities; not a consumer lender. Inquiries are routed via GoBuyLeads.com to participating commercial funding providers and Zoom Pay LLC merchant services.

## 2. Factor-Rate vs. APR Conversion Formula
A commercial factor rate (e.g., 1.18x on $85,000 = $100,300 total payback) represents a fixed total cost of capital regardless of early payoff unless a prepayment discount rider applies. Because principal amortizes continuously via Daily ACH (21 business days/month) or Weekly ACH (4.333 weeks/month), the average outstanding principal balance is approximately 52% of the initial advance amount. True annualized cost is solved via Newton-Raphson internal rate of return (IRR) across the payment stream plus origination fees.

## 3. Zoom Pay LLC Merchant Processing Flywheel
Businesses processing $15,000+/month in Visa, Mastercard, Amex, or Discover card volume can pair their commercial advance with Zoom Pay LLC interchange-plus merchant processing:
1. **-0.04x Factor-Rate Reduction**: E.g., 1.18x drops to 1.14x on an $85,000 advance ($3,400 direct factor savings).
2. **Dynamic Split-Settlement**: Repays via a fixed percentage of daily card batch settlement rather than rigid fixed daily ACH debits.
3. **Processing Fee Offset**: Saves ~42 bps on gross card processing volume.

## 4. Lead Routing & TCPA Telemetry Contract
- **Endpoint**: `POST https://cashadvancedaddy.ai/api/leads/submit` -> forwards to `POST https://gobuyleads.com/api/leads/ingest`
- **Required Telemetry**: `xxTrustedFormCertUrl`, `universal_leadid`, `source_domain: "cashadvancedaddy.ai"`, `loan_purpose: "business_working_capital"`, and named-entity consent naming **GoBuyLeads LLC** and **Zoom Pay LLC**.