I have a LA based marketing firm that does an average of $120K per month between 5-6 transactions.
No NSFs. ADBs average $3K range with lowest ones reaching $300 and highest at $56K.

Credit score is in the 650s.

Has a first for $21K that he'd like consolidated into a longer term advance.

Best offer I have for him so far is at $45K with a 6.5 mo payback at 1.45. Not exactly a homerun.

Any other direct lenders out there who consider this type of transaction? I feel like the low volume on deposits puts him in subprime category in standard u/w guidelines almost immediately.