[abfunders]

What math you do to get a 1.91 from a 4.9% apr?? 4.9%apr=1.049 factor... now do a 12 month MCA at 1.40 over 30 years and tell me total factor??

Oh, and there's no such thing as a "12 month 1.40 over 30 years." 12 months is not 30 years. A 1.40 over 12 months times thirty is still a 1.40 factor rate.