[FFunding]

I've seen GBR Funding, Rapid Capital and Merchant Cash & Capital provide prepayment discounts, but the number of merchants who I've seen actually prepay an advance can be counted on one hand.

^ Exactly, merchants LOVE to ask if there is a pre-pay penalty but you know full well they will never do it. I wish a lender would offer a reduced RTR deal if paid early (on some kind of sliding schedule) as a distinguishing perk. It would be easy to sell and most likely rarely have to be enforced.