[Cfairbank]

TBB will want to check out the pass thru of the insurance first. Just because merchant deposits $20K a month, it doesn't mean it is all theirs

Exactly. I'd check that before sending out to the various funding houses -- will help you manage the merchants expectations. Only folks that may not back it out are the high risk guys that don't care what happens to the merchant or unsophisticated funding companies you probably wouldn't want to work with anyways.