Hi everyone - Ami Kassar here - I see my post triggered a bit of a discussion. I accept the idea that not everyone who can get a six month product can get a five year term loan. Not's not really the point. IF you are eligible, I don't think there is a rational argument in the world as to why you wouldn't take the 5 year option. It's not like paying 25 more cents for milk at the convenience store. The delta in cost is significant, and in today's world the extra effort is little to none.

So as the borrowers figure this out (which they are starting to do) it's going to create a significant adverse selection problem for the entire MCA and "daily funder" industry that should keep you guys up at night. So my question is, how are you going to adjust to deal with it ?