The industry has changed/evolved and the only thing constant is change- none of this is bad. Everyone is funding more business. If your models were 6 months 1.38 and cherry picking, that train has gone bye bye. If you dictate to merchants to switch processors to fund, you will be out of bz as every processor has a funding outlet today. Ach repayment and loans are a bulk of the bz now. The longer terms were inevitable to shake up the market along with loan products. The lower credit deals will always find their way to the shorter term high rate doorsteps but the other segment who wasn't taking advances due to short terms high rates are seeking better deals daily and will find them. ARF did have something unique awhile back even before new logic or on deck arrived to the scene, but they were not looking to be the 800 lb funder- they have a nationwide footprint of w2 sales reps that produce for them as a core model and ISos were/are supplement bz only- they also can charge back defaults to their employees unlike broker bz-