Skiideeppow-sorry for your poor experience with YSC...we specialize in the harder to fund files...merchants with tax liens, low fico etc...we are never going to compete with an Ondeck offer...we are looking for the files that a more traditional funder will never approve...once you have a file that has been shopped around and can't get approved anywhere...shoot it to us and we can in most cases make an offer which is always better then shredding the file