[Chambo]

You are correct that all of those things matter but taking a bigger step back I am saying how many of these consolidation banks are going to take a 320k risk on a deal that had 5 positions that would have a daily payment that would be well north of 20% of gross. Yes we dont have all the information but just with the info we have this seems to be way more risk then a bank would be willing to take

Exactly. The merchant has clearly demonstrated a willingness to stack. Nobody wants to take the risk for $300K+

Call it what you want, tyr out all your legalese you can, but the bottom line is, the risk outweighs the reward on getting paid back