I know one lender that they will have to net 35% the rest are 50% and up

Questions to ask yourself- When did they take the advance? If it's less than a month (sometimes two) - FAT CHANCE - We know the trick. Do a payoff, lender gets paid, wait a month- do it again.

What is their monthly gross for the past 3 months? Average that- roughly do 80% (max) of that and see if they can net 50% and do a payoff ***Every UW and company is different- this is if the merchant has great statements and awesome credit....I only know this because I've seen a merch with $120K avg balances, get an $85xxx approval and pay off an est. $50k that they had a balance with. BUT the loan was a longer term AND the company who did the payoff and first position put them in a better place. You really have to ask yourself if it makes sense