[AndyYSCISOdept]

i think what ktolbert and andy are saying is that lenders want to see good closing ratio .

Some of my best ISOs only send me 8-10 files a month but close and fund 80% of them which makes them very very valuable indeed.

Then on the flip side I have a couple that send 15-25 files a day but only fund 30-35 a month, that's a lot of paperwork for a very poor closing ratio.

Now I get that YS deals aren't the most attractive to merchants but what the former rep does really well is setting the expectations.