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After funding call, we find that the merchant has already been funded by ForwardFinancing, and Lendora still hasn't underwritten an offer after about 36 hours. Waited for them to beat current offer after sending them the offer by the other funders.
They claimed the same thing on why they couldn't underwrite the file quick enough "we work with 100's of brokers".
After doing the bank login come to find out after getting the wire from Forward, the merchant also sent a Zelle payment, which he claimed he would do for myself after funding him.

Riddle me this