[Zach]

I came from the equipment leasing space, and frankly I can't picture Finpac, Dakota, or anyone else funding a client with 0% down for a C or D credit profile, even on a fully secured leaseback.

I imagine a 15-20% down product at 28% APR or higher, which frankly, our product is often superior to (except for term). Of course this varies from client to client, but there is definitely a time and place for the WBL product that equipment financing can't compete with.