Hey Guys,

I funded a small 8k 1.44 (10points) 80 days with Vader. Merchant is up for renewal. currently balance is around 4.9K never missed a payment. Renewal was 9k 1.34 buy rate 90 days. But If I keep 10 points on it it makes 1.44 but merchant wants 1.25-1.30 factor rates. Bad Credit! Biz type: Nails Salon, Avg Monthly sales: 17391 based on the contract.