But how about being able to capture the client from all ends. Think about all of the leasing business that comes from the portfolio of working capital merchants. After getting them with there capital program they are charging 15-20% over 1-5 years for equipment. This program is to just assist the customers needs after purchasing equipment. I'm not saying 100% of the time that is the reason why they do it but if I had to take a logical guess it would be around 80% of the time its after they finance equipment for there merchants. Also no one should be comparing OnDeck to Direct Capital as they are not even close to the same company nor have the same business model. They are 100% direct and have a substantially low default rate, they are 80% equipment financing & leasing, and have been in business for over 17 years.