so the legal threat to merchants prob will not work too well. during a time of national crisis, those threats could backfire on you really fast. for all contracts that are purchase/sale, if sales slow down, it is within their legal rights to have any fixed repayments modified. for those who are signing loan contracts with web bank, celtic bank, b of I, finwise that some funders use to fund merchants, those are not purchase/sale contracts and have tough language to wiggle out during a slowdown in sales, however, if the merchant cannot pay it, they cannot pay it. sue them and BK will fllw.