[Cfairbank]

Carl -
What do you mean they are on your restricted list >?

As part of our credit policies, we have select high risk funders we either won't buy out or, if we do, their position would require us to severely restrict the initial term (but if the merchant doesnt stack us, good payment history, and business has stayed the same or improved, we offer a re-underwriting on request after two months of payments that can significantly lower the effective APR at no cost to the merchant). Most restricted funders are on the list as a result of a highly predatory/business killing second+ position products and they use even more confusing, aggressive sales tactics than other high risk firms (and yes, some high risk funders are quite a bit worse than others). But Arch is on there mostly due to how difficult they are to reach/work with.