[skideeppow]

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I don't know if I would call it a widespread industry game changer, because the product basically is on par with that of P2P lenders like Funding Circle, and you aren't going to be able to duplicate said product unless you have the infrastructure and marketplace to play in the same realm.

What this does is further expand the newest piece of paper to our space, which is "A+" Paper. "A+" Paper is going to be those Funding Circle type of deals that while they might resemble "bank deals", they aren't bank deals in total, as even though the paper is pretty "clean" there are still a lot of banks that won't touch particular industries, loan sizes or time in business merchants.

With that said, funding circle takes 3-4 weeks to fund. This got done in a couple of hours. In addition, most banks i deal with take forever for underwriting and an approval. I see it as a program that has never been available.

Never mind, read your post after this one.