Yellowstone Capital ISO News Letter

**JoeLepkoski** · 10-27-2015, 04:22 PM

Follow the link below to read about some of the more interesting and difficult deals and merchants our ISO Department has assisted in getting funded!

http://www.yellowstonecap.com/blog/f...on-yellowstone

**isaacdstern** · 10-27-2015, 06:23 PM

nice work Joe!

**Michael I** · 10-27-2015, 07:25 PM

Wow so Yellowstone changed their policy of not being able to find a negative account . Also how many nsf will they do now ?
Or is it just a marketing campaign not meant for current ISO of Yellowstone

**isaacdstern** · 10-27-2015, 08:07 PM

Each file is underwritten individually, it's absolutely not a one size fits all situation.

**JoeLepkoski** · 10-29-2015, 09:33 AM

Michael I, the deal mentioned in the article is not meant to be a change of policy, but rather an example of Yellowstone's flexibility. In this case, we actually had the merchant come down and visit our office for a face to face conversation because we really liked his business model and TIB. After speaking with him in the office, we funded the negative account based off our assessment of the merchant and not just his bank statements.

**AndyYSCISOdept** · 10-29-2015, 09:39 AM

Originally Posted by Michael I

Wow so Yellowstone changed their policy of not being able to find a negative account . Also how many nsf will they do now ?
Or is it just a marketing campaign not meant for current ISO of Yellowstone

Got to be honest here, a lot of times it's not that the account is negative, it's the how and why it's negative and when the merchant expects to be positive. Joe is right it's not a policy change, our team has just made a very concentrated effort to look beyond that and take the time to make sure we aren't passing up a good deal.

**Michael I** · 10-29-2015, 11:43 AM

ok i was going to flood my rep with 20 negative files

**AndyYSCISOdept** · 10-29-2015, 11:47 AM

Originally Posted by Michael I

ok i was going to flood my rep with 20 negative files

Do it, if 2 or 3 fund you never know where that could lead. I have a file from a broker that we have funded 35 times (no bull) and it started as a 4K deal with negatives...you never know what can happen if you give Yellowstone a shot, especially my guys!

**FUNd** · 10-29-2015, 11:51 AM

35 times? Lol. Talk about being trapped!

**Funder Mark** · 10-29-2015, 12:27 PM

Is the client still at a 1.45?

**FUNd** · 10-29-2015, 12:50 PM

Originally Posted by Funder Mark

Is the client still at a 1.45?

1.44

**AndyYSCISOdept** · 10-29-2015, 12:52 PM

Originally Posted by Funder Mark

Is the client still at a 1.45?

Believe its 1.30 now and they've been doing mixtures of add's on and partial refi's, they couldn't take a full refi that many times....

**AndyYSCISOdept** · 10-29-2015, 01:00 PM

Just been corrected by my noob...its all add ons, maybe I need to be looking in the job bin!

**golf2014** · 10-29-2015, 10:51 PM

Yellowstone runs a very good operation!!!

**BuyTanningSalons** · 11-05-2015, 05:32 PM

I have a client with a theft conviction from 8 years ago that has now owned a business for a few years that is high margin and currently does $32,000 to $45,000 a month in credit card sales, I am trying to get him $20,000 to $35,000 at a rate of 1.32 or about that with a 15-30%split

If anyone can help me with this
Email me at sales@buytanningsalons.com

I currently am an ISO with a couple funders, but no one can get close to the 1.32 rate he wants, he does have some low bank balances though

**JoeLepkoski** · 11-06-2015, 09:37 AM

Originally Posted by FUNd

35 times? Lol. Talk about being trapped!

I dont think i would call it trapped, the merchant basically has a line of credit with us, takes funds every 2-3 weeks or as they need it for repairs, new equipment, etc.

**AndyYSCISOdept** · 11-06-2015, 10:00 AM

Originally Posted by golf2014

Yellowstone runs a very good operation!!!

Thank you. Sent you a PM

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