[Olderguy]

I don't see it as selling services.

They want a term loan and their finances are a mess....so we introduce them to accounting services to straighten out their finances to qualify them for someting better.

Then there are tax employee credit programs that gives them a tax credit per employee

The there is a insurance broker program which cuts their insurance costs.

Then there is sale leaseback on their vehicles so they go from debt off to lease, and off their balance sheet to qualify for more working capital.

Then there is factoring, asset based lending, ABL revolvers, cash out from real estate to find funds that are outside the MCA and term loan arena.

Then there is cash flow based bridge loans to wipe out mca debt.

And on, and on, and on....