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Hi Knox, I will have to ask them for use of capital. Currently, I know lenders that most of them only go upto $100k or $ 150k credit limits. And those who go higher credit limits, those lenders want 700 plus ficos also they want to invoice the merchant 15 points while only pay commish of 2- 3 points to the broker/ ISO. I'm looking for alternative funding products. Either a higher credit limits that includes no invoices of 15 points.

A little info - very new web site: Domain: fintalknow.com Registrar: GoDaddy.com, LLC Registered On: 2024-01-26 Expires On: 2025-01-26 Updated On: 2024-03-06 Status: clientDeleteProhibited clientRenewProhibited clientTransferProhibited clientUpdateProhibited Name Servers: ns-1339.awsdns-39.org ns-1852.awsdns-39.co.uk ns-266.awsdns-33.com ns-800.awsdns-36.net

There’s nothing wrong with freedom of speech, and I conducted myself accordingly. Refusing to conform to allowing our contract to be breached when it comes to getting paid should NEVER be something that goes ignored or GASLIGHTED. I did nothing to harm or destroy their company. Only DEMANDED that my company be paid before pursuing legal, and CHALLENGED the reasons it couldn’t or did not. The act of making our company suffer for speaking out against our breach of contract is RETALIATION, and in my opinion, that seems to be the only explanation for not being paid by now. This ALL could've been avoided. The lesson of finding the right funding partner is well learned.

You need to screen and pick better partners and conduct yourself better (looks like primarily the later) Post up the link how the suit goes after.

Rather be terminated than to send our client to a funder who wants to waste our time because they can’t or don’t want to pay for our service.

Going ballistic over a small commission will hurt your business and reputation tho. Imagine funders seeing all this and just saying forget it and terminating you.

EMOTIONAL DISTRESS will NEVER hurt a case.

It doesn’t matter if it did not fund because it did, and THAT is the ONLY point. Funders cannot keep GASLIGHTING our contracts as brokers. If we agree to a stipulation that is one thing, but to breach a contract is another. If we knew this would happen, we would have never done business with this funder. It CONSTANTLY happens because they feel brokers can’t or won’t do anything about it.

Firing off on a forum might hurt your case. Y

And the contract states that the prevailing party is entitled to recover it.

Look this space is not for everyone, if a (what I guarantee you) small amount of money sends you into a frenzy like this ,I would strongly advise not being an ISO. You should have money in reserves, and not be relying on one deal. Not saying anyone is right or wrong, but typically when people get this explosive they are under extreme financial distress and running a shop is not a good position for someone that cant absorb a commission. What would have happened if it did not fund, close up shop?

Thats what I’m saying ! They do not have a valid reason to hold our commission and are intentionally attempting to make us suffer at this point, seemingly in retaliation against us posting in this thread. That is also another illegal offense, causing damage. The amount being withheld is not an amount that would make, break, or destroy their funding business, that they can’t pay us today. Had they paid us within the stipulations of out contract, this thread would’ve never existed. Every action has a reaction, and people rarely enjoy taking ACCOUNTABILITY for their negative actions. But to make us wait 6 months to get paid and there’s no ACTIVE default is ARROGANT and CONTROLLING. Our contract also said they needed to make sure they were at least repaid 10%, and our client has well exceeded that amount. There’s no reason for ANY funder to withhold an ISO fee until a deal is fully paid, unless for the purpose of being greedy. Hence the reasoning for the new CFDL regulations.

He must be pouring all his money into legal since he has some of the best lawyers in the US :p

With all due respect, how big even is this deal? Are you in that bad of a position you cant pay your rep out of pocket while you work on this? If you are working with no buffer, it might be time to hit up Indeed.com and assess what you are doing.

If you have never had a default you are #1. Brand new or #2. very low volume. I dont care how good you are, you WILL get defaults if you actually do more than a deal here or there.

Good to know - I rep for a funder that pays on the 8th Day or next closest Thursday - If anyone asks, 8th day falls on Tuesday, the pay the coming Thursday.

A merchant is so indebted to you so much that they wanna make sure that you personally are making money off of every deal they touch but then they go ahead and default in their first week of payments?

yeah if they really have that, this can get ugly

I fund California deals and you do not need your licenses with us. Our first position renewals work a little like a line of credit. Feel free to reach out to me. Scott Platto Scott@tmrnow.com tmrnow.com 212-220-9872

What is so unique about their loan guidelines that you can't go to a superbroker licensed in CA....or call them and have them refer you to a super broker that is signed up with them fo California?

Not big on ABUSIVE relationships. I will NEVER use a funder who won't pay same day, next day, or POSSIBLY within the same week again.

This is an Unfortunate turn of events.

Sounds like your not a big relationship guy. Keep your head up.

Unless the site has paid traffic or SEO its getting legit zero hits and this would serve no use

Having a debated conversation about what is going on, in order to find out opinions of other brokers and lenders is not slander or defamation. This is in fact PUBLICITY which is notice or attention given to someone or something by the media, where they previously had none. Slander is the utterance of FALSE charges or misrepresentations which defame and damage another's reputation. Defamation is the action of damaging the good reputation of someone. If you feel he is right, then his reputation is not damaged. We need to just start a Thread for vocabulary words at this point. We've defined the true meaning of "DEFAULT, SLANDER, PUBLICITY, and DEFAMATION" already. What new words will we come up with next?

Just curious.....does anyone know who owns or runs the fintalknow.com website? I consider myself a professional, seasoned marketer in the fintech space and I have never heard of this website until someone sent me the article on Centrex last week. I was never called or emailed for a comment or an interview which is standard practice when writing such articles. Thoughts? Cheers, Trey Markel VP Sales and Marketing (888) 622-5810 tmarkel@centrexsoftware.com www.centrexsoftware.com

This is exactly why there are rules and regulations. You simply cannot make decisions based on pride, fear, and other emotions that have no basis, if there is already a contract in place. Especially when the decisions you make can affect a livelihood and company. You don't know what damage holding one's commission is actually doing on the other end, and the fact the funder doesn't care is called "negligence".

If that is the case, your lawyer should have recommended you to not post anything on a public forum in regards to this as you could possibly set yourself up to be sued for possible defamation and slander.