It's difficult these days in the MCA space to know who to trust and who you can depend on. These days with shops sprouting up daily and everyone claiming to be a direct funder, it can certainly be a challenge. As I see it as a broker you want to make sure of three main points:

1) Are they really a direct funder or are the shopping my deal around and/or looking to syndicate and really only a broker shop?

2) Can I actually reach someone when I need to and what type of turnaround time can I get?

3) Do have to worry about being paid my commissions, and do I need to worry about my deal being scooped and/or renewals actually paid.

Here is the bottom line on all three:

1) Cooper employs a total of zero sales staff and zero "renewal specialists". We are in essence a bank, a back office, and a Sales Director. We don't shop around or syndicate or pass off. No shades of grey about it. It never happens. Quite literally without our broker relationships, we wither and die so you'd better believe we make sure everyone is happy all of the time.

2) I made a choice a long time ago to make work my life. Your call and/or email about any deal will always be answered. You are not going to deal with the common frustration of trying to figure out what's going on but unable to get an answer. Otherwise what's the point of building a relationship just to sully it by being undependable?

3) We pay commissions same exact time as the merchant is funded without exception. We don't decline a deal just to fund it ourselves and when your merchant is up for renewal all we do is email you advising he/she is eligible and it's up to you to get it done.

The difference in the end is how will you be treated every day? Are you going to have to chase down a rep to talk about your deal or will you get me on the phone the moment you need me? Are you going to have the confidence in the relationship you have built and just focus on the work or worry about all the other ridiculousness that is prevalent in the MCA space lately?

Were not the biggest shop but I guarantee that no reality exists where I don't work harder than the next person to earn and keep your business. You don't need to be a Goliath to be successful, you just need to be better than the person next to you selling the same thing. Give us a chance and the proof will be in the proverbial pudding.

Some of our underwriting criteria:

-NO SIC Code Requirements.
-NSF's are of little consequence and can fund deals with up to 7 negative days on average monthly.
-Guaranteed fast response time to your submissions. Submit by 5 p.m. EST and obtain a reply by 9:30 EST the next morning.
-Car dealerships, truckers, and trucking companies are all welcome.
-Number of positions is not an issue and we look to either consolidate or come in on top. So long as the numbers justify the advance, we want to fund it.

Please feel free to reach out so we could talk about the above in more detail.