I have a difficult file I am trying to get funded. Merchant buys and sells cell phones and uses his PayPal as his operating account. The merchant does have a separate business bank account that he is doing around 15-20k / month, but all of the income is generated through Pay-Pal.

Over the last 6 months he is averaging 130k / month in sales, credit is in the low 600's, no negative days/NSF's. I know it is a tough file, any DIRECT lenders that will count revenue from PayPal please PM me.