I'm sorry, this is a terrible way to do business and it's flat out lazy and I refuse to do business with funders who give soft fake approvals due to lazy underwriting and then kill deals at the last minute due to something they have known or should have seen since day one when the file was submitted. Swift is infamous for this stuff and many other funders are right there along with them. This is a terrible way to treat a merchant/customer and makes your ISO partners looks foolish and harms their relationships, all because you are a lazy funder... This is an inexcusable way to do business and it's baffling how so many seem to accept it as an industry norm at this point.