I have a client in construction who needs a second position 20K but is being denied everywhere because the merchant has an excessive amount of negative days in the most recent months ( 10 in January and 7 in December). Can someone here help me get this deal funded?

The first position is 16,000 @ 161/day with 20349 payback. He has had this out since December 9. Credit score is pretty good from what I can tell. 650 range.