A reverse consolidation is set up in order to save the merchant on their cash flow, and not for them to net additional working capital. Therefore, Fundkite gives a very low buy rate, 1.27, and we only allow an upsell of Five Points in order to make sure that the merchant is paying as little as possible, and that our rate will be lower than the overall Blended rate of the merchants other positions. I just declined a deal for an iso this week before submitting it, because our rate would have been higher than the merchants Blended rate on his three existing positions. If anyone would like more details, please PM me.