"If they tell me their credit, for example, is 550, their bank application more than likely won't get approved and I'll provide that upfront education to them." John Tucker

G'Dam right. The sweet spot for us, and you won't ask for a quarter of the paperwork the bank is asking for. Give them an example of a merchant in their industry that you've helped, and I bet they will let you send the application over more times than not.