[JayBallentine]

Jay, what are you talking about? Clearly your inexperience shows in all of your post. You have no real solutions to the question posted on here. Telling the merchant to stay with his current two premium rate funders is trying to get a commission check? Maybe you have marketed in this space for a long time but you definitely haven't sold in this space.

Scott

I am specifically referring to your solution; "stay afloat now and borrow at a lower cost later."

If this is / was your client - wouldn't taking that advice result in additional commission income?

By the way, after generating leads by the TRUCKLOAD for someone... I did get back into being a broker. I was shocked, appalled and disgusted by what I found.

You can just "go with the flow" (make some money) or do something about it.

This is my / our raison d'etre.