This is a late post to this, but would like to clarify something. TransMark Funding is NOT a broker or agent ("like everyone else on this forum"). TransMark Funding is a DIRECT funder, based in Mississippi. Feel free to contact them directly at Sales@TransMarkFunding.com or call them at 601-292-6998. They are a direct funder, they do not send your file/app anywhere else, they do not file UCC's (never have), and there's no PG. They also provide the merchant a 3-day rescission period, under which the merchant may return the funds and cancel the deal (it's never been used, but it's part of their Purchase Agreement). If/when they pull credit, it's a soft pull (and comes from them, not someone else). IF they process an ACH, the name on the ACH in the merchant's account is "TransMark Funding LLC".