Joe, I think that is a great case as to why funder/broker relationship is so important. Most brokers will get burned by a funding company at some point. I think you need to look out for the brokers that are willing to close on your deals. Prioritize those brokers and even make exceptions for them. Today the competition is worse than ever I could string a merchant along for two weeks every day taking baby steps and lowering rates or lengthening terms with different offers coming in. I can then use that offer as leverage and so on. A big problem is we have a lot of greedy and/or dishonest people in this industry. They have no business etiquette or respect for their fellow ISO's. These guys want to push deals without the merchants or the funding companies best interest and it has lead to all of this. I can say the brokers have most of the leverage in today's market, so take advantage but don't abuse.