Monthlyfunder, it is important for us all to have an opinion, and I'm glad you've chosen to share yours. Our portfolio is probably the strongest one in the space, and we have over 300 employees. We also have over 15 branches nationwide. We recently hired another 100 retail salespeople at our New Jersey headquarters.

If that's a small sales team to you, that's wonderful. Just so you're aware, in this industry we are one of the largest companies currently, with no intention of slowing down. Despite our rapid growth, we are profitable; a key performance indicator that many other lenders cannot truthfully say.

In case you are feeling the pain of rising acquisition costs and decreasing commissions (as most ISOs are), I am open to having a discussion about becoming a WBL branch with you. We aren't disappearing anytime soon, and neither are our branches.