You could offer our Fast Funding Equity Program- which is a 12 month contract but the disbursements are every 6 1/2 weeks to 8 weeks so they keep getting the cash infusion they need but their contract is for the big amount that they usually want. Obviously this is not for all merchants but we have found those looking to use funds for advertising, payroll management, or to offset the cost of growth it works quiet well because they actually have a set date that they know funds will be hitting. Another benefit to the agent and the merchant is they do not have to resign a contract as it is built into the initial. .................. oh and yeah we pay 20% commission