[MCNetwork]

I totally agree. A small shop like me has been pushed out of the Google PPC market because of the On Decks and Yellowstones of the world. Now the Kabbage's will disrupt the top funders in the industry. I think the next 2 years will be very difficult for the old guard funders. We'll see the A and B merchant paper going to Kabbage, IOU, AMEX and other low cost providers. The current top funders will all compete for the C and D paper at 1.30+ factors and we'll be seeing higher default rates because the quality of merchants has decreased. Funders that have too much operating overhead will go out of business. ISOs will be scrambling over each other and cutting their commissions to the bone to compete for business. I see consolidation in 2014 and retrenchment of the current funders, not expansion for the industry. Over the past 2 years, every Tom, Dick and Harry has opened a funding shop or ISO so you know this bubble is about to burst. It's truly gonna be a dog eat dog world and I'm wearing Milk Bone underwear lol.