the higher credit, larger funding request deals, all want longer terms and only a few funders have the capacity to fund them on 12-24 month terms. Alot of these longer offers are on the loan platform, where there is a PG and more protection in case of a default. The longer terms req their own special credit req to qualify as well. There is an underserved marketplace for merchants who needed to borrow, but refused to repay in 5-8 months like so many funders like to keep their deals at.