[ryan $]

That is the advantage of credit card splits / lock box - Negative days are not a factor and moving forward,
with lock box in place - that eliminates ACH Rejects.

Contact me if you wish to discuss.

Do you even fund bro?
If a merchant has NSF/Overdraft Issues, how would a split or lockbox eliminate them? This is the biggest bonehead comment Ive ever seen you make (and its you - so that says a lot)

It is simple logical thinking, if a merchant has NSF/Overdraft Issues, and you put him in a split, what happens? LESS money gets to that very same bank account with the issues and therfore does what? Survey says? CAUSES MORE ISSUES (Number 1 Answer)

Yea the Lender gets paid, but what happens when they close his account for bouncing **** left and right? Or he goes out of business? What happens to your Magical Lockbox then?

A Lockbox isnt a Magic Wand.