[Winning]

....the industry standard is up in the air in regards to what funders want to fund and how much they want to fund....

.....the standard should be kept at a normal industry standard.

So are you saying there was a "normal industry standard" Pre Covid? From my own personal experience Pre Covid, the numbers where all over the place. It just depended on how savvy the merchant was. On the same paper, I have seen competiting offers come in from 1.15 to 1.06. Daily ACH, Weekly ACH, & Credit Card Splits.. To me, that shows no standard. It's like a box of chocolates, you never know what you gonna get.