I would say the best way to describe would be similar to SmartBiz. They work with lenders, learn exactly how they want a deal to be underwritten, do all the upfront gathering, underwriting, pricing, contracting etc and when the file is complete and ready they submit it to the lender for a final review to be wired. Only major difference is I believe they actually syndicate on the deals with the lenders and the deals turn around in about the same time it would take to get an MCA funded.