If I sell someone $100,000 at a 1.30 the true cost is $30,000. I am purchasing $130,000 worth of future sales for $100,000 right now. Simple. Easy. Sensible for those that need an infusion of cash/capital immediately. All the APR does is make the process a lot more complicated than it really is or should be. If I get them a 12 month term does their opportunity to improve/increase their business justify the $10,000 per month cost? The answer to that is what helps them make the best business decision.