[Halford Capital]

Hi,

I have a client who has 3 positions across Ondeck, BCA Capital and FundBox with a total balance of $83,160 across the 3. No neg days, no NSFS, strong ADB that ranges from $5-12k throughout the month. Credit score is 750.

The client wants a reverse consolidation (is open to any other consolidation products as well). I've submitted to two lenders so far for a reverse and it got declined due to the client banking with https://mercury.com/, a smaller newer non-mainstream banking service.

All of the above big reputable lenders + the traditional banks (when we submitted for TL) took no issue with his bank statements and did not care that he banked through Mercury.

Is there any lenders with consolidation products that want to look at this file?

[AFARI Group]

Great day,

thanks for sharing. This looks like a strong file: clean payment history, solid ADB, 750 score. The Mercury issue appears policy-driven, not risk-driven. I work with lenders flexible on banking platforms for reverse or structured consolidation. Happy to review and see the best fit.

Alfonso
786-352-3539
[email protected]
myalphaloan.com

[Halford Capital]

We are looking for a direct lender, but thanks for offering.

[AFARI Group]

Understood. For clarity, I work directly with capital providers that underwrite and fund in-house, not brokering this out.

On files like this (clean history, strong ADB, 750 FICO), Mercury is typically a policy filter, not a credit issue. Several direct lenders address it via bank-agnostic underwriting, temporary account switches, or structuring.

Solid file overall this is a lender fit issue, not risk. Happy to point you to direct lenders that have taken similar profiles if helpful.

— Alfonso

[PBFLLC]

If they own any property that has equity in it, owner-occupied or investment, we can do a business purpose HELOC and pay off the MCAs on a 30 year term with a fixed rate. And it is a HELOC, so they can go back to it. PM me with any questions and good luck!!

[Nicolecohen]

Send me over an email
Nicole Cohen
Email: [email protected]
Website: https://nitroadvance.com/