[MCNetwork]

This is a good point. We'll have to wait a few years and see how things pan out. The hoppers are taking advantage of a good opportunity and milking it for all it's worth. They are nimble and quick and can move in and out with their surgical strike ACH cash advances. The MCA industry is constantly evolving and this is just the latest iteration. The big funders with their long term deals are stuck with the most exposure so it's natural that they'll be railing about how the hoppers are the usurious villains in this industry. It's really a case of the pot calling the kettle black.

I think eventually you'll stop seeing the 12-18 month deals altogether and 3-6 month term loans will become the norm. Or you'll see the big boys begin to offer short term stacks themselves.