I've seen LoanMe offer a client of mine a loan at 119% APR. I was truly impressed because the option remained there for no prepay. I just wondered besides them who else will make that happen for a merchant on a monthly payment? Kabbage has a min. FICO requirement.

(Other companies just seem to be hyper-broker companies that take youf deal where they know it can get funded w/ monthly payments, then turn around & pay you 1-3 pts on it).