[mcaguru]

still an implied APR around 20. I think you'll see more of that from OnDeck and others for strong credits. We are funding a 100K 1.14x with a broker today -- not saying that for marketing purposes, just stating that i do think the prices will continue to go down on perceived strong credits (right or wrong). I know even we are aggressive on strong credits with security, and we don't have anywhere close to the cost of funds that OnDeck or Direct Capital has.

Carl do you mind sharing the terms of the 100K at 1.14 deal and the commissions to broker? (the terms to broker not as important to me).