I hate to sound repetitive with these posts, but I'm out of touch with the funding industry since COVID smacked through it.

I have a few pretty clean files in the healthcare-related industry. I received offers, but they didn't seem aggressive in the least.

If you boast 1.15 buy rates, but I give you a file w/ no negative days, $10K ending balances, nice avg. daily, but you come back to me w/ a 1.30 buy rate, that's like the same as BEGGING to be shopped or not wanting my #1 spot for sending files to.

That being said, for future reference, who would you recommend as MCA funders for quality (A-B) paper? I'm talking folks that will ACTUALLY GIVE YOU a 1.15 buy rate on clean files & let you upsell it a good 12-15 pts?