[Michael I]

Before anyone gets excited about how much is made on funding a file, lets take a look at the inner works and costs for a direct lender making an Advance:

Overhead of Office space in multiple cities.

Cresthill Capital has a pre-underwriting and underwriting department that's entirely salaried based that scrub each and every file.

The costs of fee-based programs to run extensive backgrounds on every file (you can buy homes in many cities just for those annual fees).

Cost behind having Advanced Technology

IT Department

Daily Collections (salaried) department.

Legal Department.

Accounting Department

Cost of capital.

Additional Dozen+ salaried employees to manage the thousands of clients.

Cost of paying ISO's Double Digit Commissions. (love that expense!).

Uncle Sam

the expense list goes on and on ......

Marcus at the end of the day does the coj help you collect your money more then the files you lose because they won't sign it