"require me to have a business or I have to call to sign up"
I've never heard of that. They may want to see that you have a site and even have a site in their niche, but you don't usually need a business or need to call to apply to any affiliate program. Sometimes after you apply, then will call you to verify your identity.
We have several pay per lead programs. You can find
all the programs below in the right sidebar.
Advaliant has lots of Pay per Lead programs
ShareResults has several - eLearners and Maternity Card come to mind
PayDay One
InsuranceLeadz
CCI colleges