[Pooja Nene]

Zach and Pooja, from my understanding / conjecture, the reason why nobody else does this is because to put capital at risk for low ROI on the investors side.
Something tells me that almost no merchant ever takes this option, so there's no reason why not to offer?
I'd love some insight into the understanding here.

Hey Micah,

Absolutely! The math isn’t quite “almost no merchant” pays off early but it is a lot less that suggest they will in the sales process. We want to provide to a product that a merchant can say “yes” to.

We’ve taken some losses on the program already after paying an ISO 6 points and the merchant paying us off after a large receivable comes in or inventory flips quickly after 3 or 4 payments. We will never ask for the 6 points back and will pay more if/when the deal goes to term (and most will).

I don’t know of a better prepay option in the market but know it is getting us market share.