Just had a merchant tell me that Direct Capital offered him a 10 month 1.08??? In most cases I would reply by saying "then why are you on the phone with me?" but I know he sent me the contract along with email chain forwarded from Direct Capital. (Of Course he still could have made it up) but it looks legitimate. Who the hell offers a 1.08 for 10 months??? Talk about desperation if this is actually real.