[Kevin Henry-Seacoast]

Just FYI...banks don't have the flexibility as non bank lenders who can collateralize personal assets.

Um.... I know both banks extremely well and their capabilities. One will definitely consider personal assets. Both are very aggressive these days.

[Kevin Henry-Seacoast]

Um.... I know both banks extremely well and their capabilities. One will definitely consider personal assets. Both are very aggressive these days.

To add..... I have 4 deals somewhere in my pipeline where the companies are factoring with non-bank factors. All of the non-bank factors are suppressing availability on AR and inventory. Why would they do that if the assets are good and they are more "flexible".... stop with the narrative that non-bank finance companies are more flexible in this environment. in 2014 there were about a dozen bank owned finance companies in the US. Today there is over 50. Hell.....I discovered a new one this morning.