[WestCoastFunding]

The question is: how many funders will have access to capital when this is over? Are we really to believe they'll just have access to lines? Do we really believe investors will just start letting money flow again in just the next few months? How will they properly evaluate apps? If so, then yes, things will get back to normal in months. But call me skeptical in thinking that investors will be quick to provide funders with cash until they see the funders have new underwriting guidelines and a track record in the new environment. So I think many of the guys that were funding before are going to have a hard time resuming. If they do, they'll have smaller lines, which will lead to more restrictive underwriting.

As noted above, we're looking at Q2 GDP being at...... -50.0%. In 2008 financial crisis it was -8.2%. This is just insane. Also noted above, we are talking about 30% unemployment (2008-2009 height was 10.2%). The economy is going to be ****ed up, yall.

My opinion: I don't see this industry getting back to anything close to where it was until the end of this year, or early next year. And that, to me, is best case scenario. Probably way too optimistic. The realst in me says half of the funders aren't coming back.