As a relationship manager I deal with this on the daily. I think two major points were left out. Sometime I will look at submission like did you even look at this file before sending it out. For example, I received a sub where the merchant literally had zero revenue 2 out of the 3 months they submitted. The second would be stop wasting my time, my underwriters time, and most importantly YOUR time by not learning our box. Pay attention to your declines. Last, I understand some funders don't need to know balances to put out an offer, but a lot do. Why submit a file with 5 positions requesting a consolidation or reverse consolidation and not provide balances. SMH!