Have a merchant who does residential and commercial construction looking for 350k / 9mo min. In business since 2010 and has been steadily growing ever since, did over 9million for 2018. Has 17million in signed contracts for 2019, all project are already underway. I've had declines for 2 reasons, 1 - low # of deposits / volatile monthly revenue and 2 - they have a RE investor fund as another part of the business. They were funded once in the past and that deal is about to roll off the books. Merchant has months over 1 million and months of 200k, but the daily balances are always super strong. December not a day under 275k on the bank statement. Credit is 650+ but I seem to be struggling to even get in the ballapark. Highest offer was 195k / 10mo. Any ideas?