Mulligan, CAN, OnDeck (if score above 700), IOU, etc will all fill the gap.

Closed a 150k 3rd position with OnDeck earlier this month, if the credit score is high enough they're not worried about payoffs.

Closed a 200k 12 mo with IOU that had a 1.18 buy rate... They didn't disclose my points either. I closed a few deals with QS but they won't be missed.