[FUNd]

yes very easy . Most d paper look at the last 3-4 months only so if they are low then nothing to do . B lenders will look at the whole year and take that average to fund .
also mark side note ,signed contracts mean nothing .

Who asks for 12 months banks for non-seasonal businesses? Just curious.

[Michael I]

Who asks for 12 months banks for non-seasonal businesses? Just curious.

The ones smarter than the average bear . i had a restaurant which is not a seasonal business generally, doing way better in payback months . Now 2 ways you can look at it . either they are doing worse so decline or they are seasonal . Your job is to know which lender will think which way .

[HDF]

Sorry Zach. 8 months, 12 months in business

I sent you a PM recently about something else we should talk about...