[Karen37a]

Archie's right about the many different options.
The problem is when you run into someone with an Amex or Paypal or Square (or up and coming Shopify) offer.... those things will be impossible to beat. Unless you "sell" them or "navigate" them to a different lender/offer that's worse off for them (they don't need more than 12 months, but you offer them 1.38 on less money (and "ignore" the fact that the PayPal deal is a 1.35 for more money - and then just focus on the payback "amount" is less), that's not called working for the client - that's called salesmanship.

I would just tell the person...take that deal its the best thing for you ( if the numbers are correct at the final close) If not come back...if the dollar amount is negligible they will choose to work with a broker over automation all day, every day... if not you can possibly get the merchant back...if not....something called next