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https://dailyfunder.com/showthread.php/23091-Backdoor-Square-Advance-Beware

Yeah, May 19th isn't happening to consolidate that much. In theory Kapitus does 5-year term loans for medical, but he would need a strong TIB and I imagine the stacking would kill it. There are good options here if he'd just be willing to factor that AR, but it's likely there wouldn't be enough to pay off the positions at this time, but at least it gives him a path forward. I would also be happy to assist.

I love all the idiots, eat their leads for lunch. Keep up the donk work boys, making it easier for the legit ones.

I’ve worked with Eliot for years and I’ve gotten paid out on every single deal we’ve done together and my syndication as well same day I requested I don’t know how he would ever have any issues with this company as they’re one of the straightest people in industry been working with them since 2018 when they opened

Donkey Loans... You'd have to be a donkey to take one... Click now and apply! We know you will... Ya Donkey! (Gordon Ramsey impression) -------- Edit: I looked the donkey loans website over, and the person is actually not dumb. They differentiated in a way that now they stand out amongst every boring loan company. The guy is a genius actually. You'll never forget a donkey loan company. It's like the geico insurance company.

I've been in commercial lending 25 years and I've never seen so many idiots in my industry than I do now. We live in a time where someone actually though this was good branding (saw it earlier in my FB feed)-

Most true term lenders at $3MM are going to want cleaner seasoning. Might end up being a structured multi-lender solution or hybrid refinance rather than one direct lender taking the whole thing. Also- why the deadline for May 19? This might get done, but that's s short timeline. Since it's the weekend - if you want to get a jump on Monday, I'd be glad to take a look at your deal and see if we get get something in motion tomorrow. Shoot me an email if you want and I'll send you an NDA & our app link. s

Please send me some information regarding your HELOC loan program guidelines when you get a chance. [email protected]

Haha, not a crash out at all man, zero bad beats here. To answer your question: I stopped traditional brokering precisely because I saw these structural cracks widening. I realized that fighting the data decay, the compliance headaches, and the legacy outbound grind was a losing battle for my time. Instead of staying on the phones, I shifted entirely to building the inbound tech infrastructure to fix it. We built a system that uses conversational AI to handle front-end qualification... filtering out the junk traffic, answering baseline objections, and forcing merchants to upload their bank statements and stips before a rep even dials out. I’m looking at the market from the data and software infrastructure side now. I’m seeing the macro shifts because I watch the traffic data across multiple verticals every day. I genuinely respect your stance on the relationship game, though. If a broker is still grinding out traditional files today, that old-school relationship model is literally the only protective shield they have left.

Yet funders keep expanding those lines and getting more capital. You are trying to get a read on the market, when you already stated it was dead and no longer are a broker for whatever reason, makes no sense. Are funders getting picky on small files? That is nothing new, no they are not doing shorter terms, backing off industries is nothing new, some are better than others. I am not sure what happens in the 1.499 3 month land, I don't spend my time there. Also smaller does not = sticky whatsoever. Just confused by this whole post, was it just a random crash out on a bad beat or what?

Fair points on the relationship aspect, and I respect the hustle on the smaller, sticky files. But my point isn't that the hustle stops... it’s that the math is fundamentally changing right now. With the Fed keeping liquidity tight and institutional money staying expensive, funder warehouse lines are under major pressure. Even if you've got a killer relationship, a funder can only lend out what they can afford to borrow. Out of curiosity... are you seeing your main syndicates and funders jacking up factor rates or shortening terms across the board to protect their margins? And on those $20k/mo service files, are you noticing funders backing away from certain industries entirely because of daily cash flow volatility, or is it business as usual for your roster? Just trying to get a read on the market.

Good ole days like what? When you didn't have to actually differentiate yourself? You could just cold call and do some deals? Days are fine today, unless of course you can't keep up, provide no value, have a crap brand, all that. Name me an industry that doesn't have fraud in it? I agree the fraud in MCA is big and most of it is absolutely stupid type ****, but again, tell me an industry that is free of fraud. Am I afraid of clawbacks? Absolutely not. The guys who cant build relationships and just jam deals down peoples throat after their little **** SMS bait are the ones that should be. The ones who build real relationships with clients don't worry about stuff like this. Is it present? Sure, take some steps to stay in a good spot and this is not even a big issues at all. Backdooring? Again, points above. The guys who cry about clawbacks, backdoor, and settlement ruining their leads are the ones who literally have no skillset or understanding of how things really work. The good ones just sit back, let our names speak for themselves, and work forward evolving with the times. It seems to be the old school guys who got pushed out for whatever reason that have the boldest opinions.

I used to be a broker in 2014 so I know what the good ol' days were like. Your rebuttals to my arguments are valid rebuttals, but you're proving my point. Bunch of fraud in the industry. Aren't you guys afraid of clawbacks from some guy calling your merchant randomly and convincing him to default within the clawback period? I didn't even mention all the backdooring etc, which is the life blood of the industry lol

SEAN: Every time I try to teach MCA and call the industry dead..., an ISO who works with dumbleads.com, shows up during breakfast and does it again.... <iframe src="https://makeagif.com/i/Lt9a-e" width="480" height="360" frameborder="0" allowfullscreen></iframe>

Yeah shocker, this forum is where their ICP hangs out, cant believe they make themselves known here. Maybe they should use Craigslist?

EBF is rough, but a very strong tool, just know what you are getting in to and take the right steps.

1. Sure, a good slew are, all from Miami and NY. These people can't close a door unless they lie, they suck at sales, and would lie to sell anything they were involved with. Not everyone is an asshole, and their company reputation proves it. 2. These people are in fact idiots, and so are the merchants that think it is a good idea. More and more merchants know settlement is a joke, and don't do it. 3. It is not hard to get a deal approved let alone a great file. Typically guys say this that THINK they have a great file but know nothing about what merits receiving funds or does not. "Oh it has great deposits and a 650 score, its a slam dunk!". Go back to the learning table. 4. ISOs that put that have no respect for the smaller merchant. They think they can streamline their ticket to higher commissions squeezing out the 20k/mo electrician. Again, being an asshole and not a smart one, that 20k/electrician is critical to the world, and if you do right by him, you will easily renew him 3-5 times, and far exceed the 50k pop that the clown is chasing. Guys who do all deals, and focus on retention are the winners today. 5. The sky has been falling for years. Yet somehow here we are and people are doing fine, the ones that adapt and arent actually morons. So, either you are mad because an MCA pissed in your cereal, you actually do MCA and had a bad beat this week, or simply don't actually understand MCA and just pretend you do. Carry on.

Oh and also, loads of MCA collection companies advertising in the promotions section lol. Another obvious signal.

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