Have a trucking file doing 2.3 million a year (we have tax return). Ledgers are good, and doing about 150K average per month. Issue is they just changes bank accounts. So we have 2 months with old bank and one month with a MTD for April. Not a default on a lender as had no advances.(We had merchant before the switch and an offer from A lender), so credit is decent. Merchant looking for 40K.