COJ Ban is Signed sealed and OFFICIAL - Page 2
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  1. #1
    Veteran Reputation points: 159120 J.Celifarco's Avatar
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    Anyone who thinks that a COJ is the only way to collect really has no business being in this industry. There was an MCA industry long before COJ's and there will be one after. Data and underwriting will now matter more than ever
    John Celifarco
    Managing Partner
    Horizon Funding Group

    3423 Ave S
    Brooklyn, NY 11234
    T: (347) 773-3990 | F: (718) 795-1990
    Linkedin: Profile
    Email: john@horizonfundinggroup.com

  2. #2
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    Quote Originally Posted by J.Celifarco View Post
    Anyone who thinks that a COJ is the only way to collect really has no business being in this industry. There was an MCA industry long before COJ's and there will be one after. Data and underwriting will now matter more than ever
    True. But 2nd 3rd 4th 9th Positions didn't exist in those times either.

    COJ's made it possible to fund Billions that would of never went out the door had they not existed.

  3. #3
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    I rarely see COJs these days. The claim that “everyone still uses them” really just means “everyone that white labels YSC is still using them.”

  4. #4
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    Quote Originally Posted by WestCoastFunding View Post
    I rarely see COJs these days. The claim that “everyone still uses them” really just means “everyone that white labels YSC is still using them.”
    I want some of the Paper your seeing to not have seen COJ's.

    Im in the weeds, lol.

    Nah, just depends on the Lender. All the Default and HIGH HIGH risk Guys are using COJs

  5. #5
    Banned Reputation points: 27380
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    Quote Originally Posted by ryan $ View Post
    I want some of the Paper your seeing to not have seen COJ's.

    Im in the weeds, lol.

    Nah, just depends on the Lender. All the Default and HIGH HIGH risk Guys are using COJs
    You attract people with your same energy.

  6. #6
    Veteran Reputation points: 159120 J.Celifarco's Avatar
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    Quote Originally Posted by WestCoastFunding View Post
    I rarely see COJs these days. The claim that “everyone still uses them” really just means “everyone that white labels YSC is still using them.”
    True, most of the B and C paper funders have already stopped using them and whoever still is was just waiting for this to be signed before they finally stopped completely. Unless you business model is all super high risk deals I wouldn't expect to see many coj's moving forward
    John Celifarco
    Managing Partner
    Horizon Funding Group

    3423 Ave S
    Brooklyn, NY 11234
    T: (347) 773-3990 | F: (718) 795-1990
    Linkedin: Profile
    Email: john@horizonfundinggroup.com

  7. #7
    I wasn’t hitting on you, you’re beat lmfaoooo I just wanted your business....
    but I guess you are a “direct lender”
    And yes I remember exactly who you are girl from snap advance- you were actually hitting on my boy- and all the cash advance you were talking was some basic stuff- when I pitch Isos I actually keep them interested so I left you guys alone haha to chat about your bs while I was getting some real business

    Referencing the other “funds” I’ve worked for- I used to intern at a hedge fund while I was in college

    -Jayson Yunason

  8. #8
    Senior Member Reputation points: 503040
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    Quote Originally Posted by Jayson Yunason View Post
    I wasn’t hitting on you, you’re beat lmfaoooo I just wanted your business....
    but I guess you are a “direct lender”
    And yes I remember exactly who you are girl from snap advance- you were actually hitting on my boy- and all the cash advance you were talking was some basic stuff- when I pitch Isos I actually keep them interested so I left you guys alone haha to chat about your bs while I was getting some real business

    Referencing the other “funds” I’ve worked for- I used to intern at a hedge fund while I was in college

    -Jayson Yunason
    So it’s true.

  9. #9
    Banned Reputation points: 27380
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    Quote Originally Posted by Jayson Yunason View Post
    I wasn’t hitting on you, you’re beat lmfaoooo I just wanted your business....
    but I guess you are a “direct lender”
    And yes I remember exactly who you are girl from snap advance- you were actually hitting on my boy- and all the cash advance you were talking was some basic stuff- when I pitch Isos I actually keep them interested so I left you guys alone haha to chat about your bs while I was getting some real business

    Referencing the other “funds” I’ve worked for- I used to intern at a hedge fund while I was in college

    -Jayson Yunason
    I remember this exact conversation and everything about it, I only have two issues with your recollection of this story:

    1) I don't work at Snap Advance
    2) I'm not a girl

    You must have had a few too many that night bud.

  10. #10
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    Quote Originally Posted by BillionzandBillionz View Post
    I remember this exact conversation and everything about it, I only have two issues with your recollection of this story:

    1) I don't work at Snap Advance
    2) I'm not a girl

    You must have had a few too many that night bud.
    2019 you are whatever you identify as . best of luck

  11. #11
    Banned Reputation points: 27380
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    Quote Originally Posted by Michael I View Post
    2019 you are whatever you identify as . best of luck
    Thanks but i wore a full suit lol, there was no question about that

  12. #12
    Senior Member Reputation points: 57713
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    Quote Originally Posted by BillionzandBillionz View Post
    Thanks but i wore a full suit lol, there was no question about that
    half suit would of got you remembered

    image.jpg

  13. #13
    Quote Originally Posted by michael i View Post
    2019 you are whatever you identify as . Best of luck
    lmaoo
    Warm Regards,

    ABE KAND
    Lifetime Funding
    ISO Manager
    Direct: (516) 604-0602
    Address: 585 Stewart Ave Suite L90 Garden City, NY 11530
    Website: www.Lifetimefundingllc.com

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