Whats up everyone,

My team is currently handling over 25 fresh applications daily. Compared to the past few years, we're seeing some significant changes in the industry.

It's almost impossible to get funding for first-time applicants unless their files are spotless.
Funding for trucking is nearly nonexistent, construction financing is very limited, there are more restrictions based on state locations, many default files, and trust issues with backdoor dealings are on the rise.

Just last year, about half of these applications would have received offers.

What's your perspective on the current state of the industry and the direction it's heading?