I have had concerns with BFS also. Sent a few huge files that received a million dollar approval and merchant said he for a call be next day from underwriting asking questions. Next thing I know merchant stopped taking my calls , then I find out finally after stalking the merchant he has a $1,000,000 approval @ 18% over 12 months. Point and a half a month. I have no proof as of yet so let me be clear on that, but I have wondered many many times. And this wasn't the first one