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Whats up everyone, My team is currently handling over 25 fresh applications daily. Compared to the past few years, we're seeing some significant changes in the industry. It's almost impossible to get funding for first-time applicants unless their files are spotless. Funding for trucking is nearly nonexistent, construction financing is very limited, there are more restrictions based on state locations, many default files, and trust issues with backdoor dealings are on the rise. Just last year, about half of these applications would have received offers. What's your perspective on the current state of the industry and the direction it's heading?

Who are the funders that are willing to cross collateralize different entities?

What would you do ? I have a merchant who owns a few surgical centers. Rev between their accounts is $2-2.5mm with $7-8 mm in AR Merchant has approx $1.7mm in mca debt and **** credit. Wants to get rid of his mca debt potentially using his AR but if using a factoring company , their ucc would need to be subordinate, which no one is okay with. No SBA and doesnt want to use property...yet. So im dead in the water I think What would you guys do ? Any direction you guys suggest I look into ? Thanks

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I have a client with a 700 fico score who has been in business for over 20 years. The industry is storage. The current monthly deposits are 800k. He took on a few mcas recently that shocked his cash flow so he is looking for a longer-term remedy. Any assistance would be appreciated.

Business in HVAC 3-3.5M annually in gross receipts 600 fico score Has one position with a reputable lender. Merchant lowered payment over 6 months ago and the lender never asked them to go back on orig. payments. Payments were lowered due to a temporary hardship within the business. Their balance is now 16K. He's now trying to get a deal in the 75-100k range 8+ months and is having trouble finding one that doesn't get killed in final. Any ideas on who might jump on this file?

Hey everyone, I spoke with a client making around $80,000 to $100,000. He already has options for an 8% loan and is interested in anything less than that, as well as a line of credit. To the older guy, I know it's Tuesday; your magic lamp won't work. I don't want anything to work, I just want to see if there is anything that can be less than 8%. If yes then tell me what information you need from him. I hook you up with it.

Who would be a good fit to fund a trucking deal that is willing to put up 1 or 2 of his trucks as collateral. TIB: 2+ years Credit: 620 Monthly Rev: avg $15k-20k Truck 1: HINO Mileage $250k Year: 2011 Truck 2: Freightliner Mileage: 400k Year 2003

Are there any licensed California mortgage brokers in this forum?

I hate sharing stuff like this, it’s not about the money the deal was small but as a hard working business owner I feel it is my duty to protect others in the space from being screwed over. I remember what it was like starting out and years ago getting screwed out of a couple thousand dollars and losing a client that’s constantly renewing, with the cost of marketing today can be a big hit for anyone. BEWARE OF LENDOCITY out of New York! Don’t send your deals to Lendocity if you want to get paid on your deals or renewals!! If they don’t like something you say like say about the fact that it’s crazy it takes them a full day just to generate a contract (on a renewal mind you) they won’t pay you the owed commissions!! I’ve been in the business funding space for 15 years and there’s always been bad apples sadly. Lendocity is a bad apple, stay clear, you can get the same offers from plenty of other lenders that will actually pay you and not take days from ordering contracts on a renewal to funding the deal! Not only is that bad for your merchants but bad for you as an ISO as well.

I am looking for a lender who can do personal loans. I have access to over 50 pre-qualified leads a day. We have someone calliing these leads on the phone to pre-qualify them. Any lenders?

We have a trucking deal that has 2 positions 1 from Vader and one from East shore. Looking for options on the deal. Merchant is willing to Collateralize his trucks. Vader is 45% paid in East Shore is 31% paid in TIB 2+ years Rev avg $20k

Attempting to take advantage of some sign up bonuses but I would rather use the card in a way that processes as a debit or ACH payment. PayPal Key used to be good for this but is no longer around. What's the best thing to use these days?

Does anyone know of a lender who does equipment financing with no min credit requirement for food trucks? Merchant wants to buy a 25k food truck/trailer. Has a 547 credit score.

Looking for loc product for a home based sole prop in ticket broker business. His credit score is 780 and does $500k a month with good balances

i've seen a few payment companies advertise free credit card processing. how is this possible? do my customers pay the fees? i feel like it's too good to be true and also wondering which payment company to go with, does anyone have any advice???

Is anyone in the market for a 10+ year veteran leader in sales and sales operations? The candidate also has knowledge in credit, UW and marketing. I can make the introduction if you are looking for help growing your market share or scaling your book with the right ISOs.

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FundKite Moves Beyond Business Financing With Its Launch of a Merchant Services Division Credit Card split funding in the future?

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FundPro Solutions LLC is looking to add an ISO Rep to our rapidly expanding funding company. Must have prior ISO Rep experience. For more information please email laura@fundprollc.com

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