[abfunders]

Appreciate it, but Chase is actually the top 3 worst in NY, if not #1. Shut down numerous times, no questions, no answers. Acct opened, shut down after 1st transaction - letter in the mail "Sorry."

You must have an actual long standing relationship there or they do not know the whole of the business type.

Didn't think about online banks but "meh" I guess, worst-case scenario. I say branch in general, not necessary but important to have an actual acct manager relationship IMO to assist where needed with a personal touch.

Dunno, I have a few colleagues using Chase. Maybe if you're funding it's worse. The FinTech banks like Mercury won't take you on if you're lending money, but I tell them very clearly that I'm only a broker and I don't lend any money, they're cool with that. All of the funders seems to be using Optimum in Florida. However Axos might be a good choice (despite the non-personal touch), they're huge the lending space and told me "we like brokers" and they do a lot of the loans for WBL in certain states. However they're horrific when it comes to sending a wire, they have waaaaaaay too much security, because they're using netteller's UX/UI interface and I'm sure you've run into banks who are using it. No Plaid, no Decision Logic, and if you log into their system from outside of the state without telling them you're traveling, you will get locked out and you have to call them and verify your account to get it unlocked. And they often require a security check that includes the type of questions you get when you're doing a self-check on your credit report, like "Which of the following streets is closest to XYZ street that you lived on on when you were 15?"

[abfunders]

Make sure that you have an online presence for the online banks. State in the application clearly that you're not a lender, you're a broker and don't touch other people's money.