Are either of the paybacks on a split, or are they both daily's? If split is available, you can try and see if someone would be able to fund a 3rd position on an MCA split (direct or lock box). This would make more sense too, due to high NSF activity. But, this would cause more cash flow stress...works better if the $13K can get paid off from this. It's possible.. gotten a few of these done in the past. QuikStone is out, since they are 1st position funders only.. however this might work at Simply. Good luck!