[MCNetwork]

Believe it or not, you can close many deals without mentioning the payback. Many merchants are more concerned about affordability of the daily payment so you can steer the discussion there. It's no different than selling a car loan or a home mortgage. Even though the total payback on a 30-year mortgage is disclosed somewhere in the closing paperwork (in 8 point fine print), it's not mentioned at all in the broker's numbers presentation. They focus on the monthly payment and get the customer to buy in. From there, the total payback is just a formality and will be disclosed on the contract anyway. Same principle can apply to selling cash advances. Focus on the use of funds, return on investment and affordability of the daily payment and you've won half the battle. If you focus on trying to sell the payback, the merchant will have a severe case of sticker shock and he'll most likely avoid your phone calls.