I agree with Michael here, all I am saying is that pretty much any 1st position lender will buy out two advances and you can get your 10-12 points with the merchant still getting a factor in the low 1.3s. There are situations where if the merchant qualifies you can take them to a Term lender or if they are a repeat client and it is fine making the lower points . But what is the problem with making that extra money on big deals if the merchant still getting a good deal , arent we all doing this to make money or whats the point lol