[J.Celifarco]

i dont know where in the growth line we are exactly but I can tell you it is not the apex.. For companies that have been around a while they remember the time before ACH deals when everything was on a split. Banks wanted to put out more money expand market share so they started doing ach deals. After that, industries that a few years ago could not be touched started getting funded (construction, trucking, homebased). When growth starts to plateau again, banks will find new ways to expand market share. As long as Ondeck, MCC, CAN, and the rest of the big boys continue to want to grow they will find ways to expand the market, and the smaller companies will follow in order to still compete.. Just my opinion