Yes, if I had hundreds of millions in Venture Capital at my disposal, I would do longer terms/larger approvals on a case by case basis. I would probably offer a weekly ACH as well.

BD makes a good point about setting up a Factoring arraignment after an initial funding which i have done a couple of times and probably should do more often.

Another issue that leads to stacking is that some of the Lenders make it a bit too tempting. When they tell someone you will only get 50% of the original commission on the NET AMOUNT FUNDED on renewals ..hey, I cant blame anyone for stacking on them or taking it to another shop before renewal time. Personally, I just wouldnt work with a Lender that does that, but for those that do, I honestly cant blame them. Loyalty is a two way street. I can totally understand them giving 75-80% on the TOTAL Amount for renewals/Refis but half...no way. In a situation like that it isnt greed on the Brokers part, that is on the Lender.