[Chambo]

whats your thoughts ???????????????????

I don't believe that the industry is dying, but rather you are seeing a spreading of the wealth, so to speak.

More funders, more reps than ever. The merchant base hasn't expanded at the same rate as the funder or ISO base...ergo, if the numbers stay the same, then it is spread out between more players.

So some places might be feeling the pinch, while others are feeling pumped. Bottom line, the volume is the same or higher than previous years

[mcaguru]

I don't believe that the industry is dying, but rather you are seeing a spreading of the wealth, so to speak.

More funders, more reps than ever. The merchant base hasn't expanded at the same rate as the funder or ISO base...ergo, if the numbers stay the same, then it is spread out between more players.

So some places might be feeling the pinch, while others are feeling pumped. Bottom line, the volume is the same or higher than previous years

what I don't see much in our space in acquisitions... I used to think On Deck/Cabbage/Can-Capital was going to get picked up by a large financial institution but for some reason No one seem lto come forward.....if i was a betting man Kabbage will be the first to be acquired (Shopify would be my guess) 10 years ago i would have said GE Capital or a CIT....

[MCAdude]

I don't believe that the industry is dying, but rather you are seeing a spreading of the wealth, so to speak.

More funders, more reps than ever. The merchant base hasn't expanded at the same rate as the funder or ISO base...ergo, if the numbers stay the same, then it is spread out between more players.

So some places might be feeling the pinch, while others are feeling pumped. Bottom line, the volume is the same or higher than previous years

well said