Expansion is strong. They quietly can easily compete with EBF, Knight, Fundworks, etc. They were one of the few that never relied on COJs, but now that everyone is dropping them they lose their advantage. But they offer really solid early pay discounts, and let you know the discount when they send the offer. So they’re best for B-C paper where the merchant only needs money for 1-2 months to take advantage of the discount.