WBL will always consolidate multiple advances and give you length on the deal if the client is willing to pledge collateral e.g. Free & clear vehicles/equipment or Real Estate. You can make up to 12 points. Mstucchio@wbl.com. App, 6 months banks, schedule of assets owned. We also do not care if the client nets 50% because some of time even though they will not net 50% it is beneficial for them if we can lower the daily enough to off set the interest expense. Of course ability to pay is always most important.