I would say it wiser to go through YSC than Pearl on ANY DEAL... Pearl always struck me as the company that would hug you tight while slipping their hands in your back pocket.

As for YSC honoring approvals and doing better, absolutely, meanwhile if you ask Pearl to be competitive their answer is "We refuse to get into a pricing war"... My answer to that, "I refuse to do business with a funder that doesn't want to compete"

If I have to compete with other ISOs, then my funders should be willing to compete with each other... simple as that!