Hello DF Members! I have a merchant who needs $150k to purchase specialized machinery for their pharmaceutical company.

Last 6 months look like this:
- June 2014 $93k in deposits, no nsfs, avg daily balances of about $15-20k
- July 2014 $109k in deposits, no nsfs, avg daily balances of about $17-$25k
- August 2014 $108k in deposits, no nsfs, avg daily balances of about $30-$35k
- Sept 2014 $46k in deposits, 1 nsf, avg daily balance of about $5-7k
- Oct 2014 18k in deposits, no nsfs, avg daily balance of about $5k
- Nov 2014 $20k in deposits, no nsgs, avg daily balance of about $4-6k

The merchant deals a lot in cash business. Most deposits are large cash counter credits. He has had steady banking for 2 years, and in business for 4 years.

Lots of regulation changing in his industry might make him high risk.

Can I get some advice on this file? Advice from: Broker, Lenders and Counselors welcomed.

Thank You!