Murky Waters - Keep in mind the merchant is applying for a "Loan" - Let's assume for a moment you are correct,
and you change the maximum $2500.00 fee that is allegedly allowed on the SBA Form 159D - Merchant is declined - then what?

Also IMO - there are a few land mines in the agreement.

https://disasterloan.sba.gov/ela/Documents/Fee_Disclosure_Form_and_Compensation_Agreement_(15 9D).aspx