[Zach]

How is my product unethical? I fund clients that have defaulted on other lenders. That merely means I am willing to take a greater risk and give these merchants a second chance. I fail to see where this entails a lack of ethics.

In fact, in many cases I help fund a client in order to repay their defaulted balance. If your money was out on the streets and a merchant wasn't paying you, and I helped you recover your unpaid principal balance, would you call me unethical then?