[rld]

Like others have said.. it looks like an average offer.

I would hope with a 600+ FICO and no problems with his business that you are making enough commission off this deal to where you could cut some of it out and get him under 1.35. That is what I would personally do anyway. I did a deal recently where the guy had around the same FICO and did around $800k a month.. sold him at 1.28 and still made 8% off the deal (100k deal @ 7 months) so you can definitely make good money off a lower factor if you are willing to shop around.

One thing I have noticed in this industry.. the best salesman in the world isn't going to get a sale if the deal doesn't make business sense to the person buying it. The only time that salesmanship really comes in handy is when someone really needs the money but is on the fence about whether or not to go with you or the other guy and you are close to his factor and term. Otherwise it is all about whether or not a deal makes sense for the business.