Think about it from a risk perspective:
AMI Approves and funds a deal for 200k over 10 months
In month 2 merchant needs more money, he takes a Hopper for 25k over 60 days
That is a no brainer...deal was just heavily underwritten and you are giving the merchant 10% of his current balance...You are in and out 3 times before the deal is even eligible for a renewal with AMI