[Zach]

Feeding in the gutter on merchants that do 1 or 5 million a year has certainly being done.

Think about it. A guy that does 100 grand a month is barely a business in all reality.

500k?, same challenges meeting their cash flow challenges.

The smart ISO shops are going to move up the food chain into a world of higher quality, lower rates with lower rips on larger deals.

There are hundreds of "private non-bank lenders", big money lenders, that have money to lend and have NEVER had any real sales force feeding them leads.

I find the easiest way to gain access to those type of clients is through referrals. Referrals also have a much higher closing percentage, although there can be a significant CPA due to varying referral fees that need to get paid out.