Searching for a direct lender, please brokers respect that request, that will consider a 3 position consolidation. I'm having a tough time with my current lender rolodex due to net 50/fico. Here is the scoop:

Contracting, time in business 3 years
Average deposits - $255K
Payback months 5 months average (914 - 1/15) deposits - $275K, I have those in hand
Average Balances - $3500
Positions - 3 total, balance $130K, taking $2475 daily between the 3 ($29K, $50K, $50K)
Fico - mid-high 400's (ouch!)

Not so much rate conscious as he is concerned with extending his terms and lowering his payments.

Sorry WBL - No collateral. Also as stated I am not looking to co-broker this.

Let's get it done, very motivated borrower stips will be no issue if the offer is right