They'll be very profitable. Like Amazon, and Shopify etc, THEY HAVE ACTUAL FUTURE RECEIVABLES. And of course a sticky product. When we underwrite, with 3 months of bank statements, the best you can do is attempt to predict someones future sales let alone their behavior. These companies for the most part have sticky products, ecosystems and great projections on future sales.

But I agree, they're learning more about the product which is great. Though most of these companies, like true CC splits, offer splits.