Credibly/Retail capital has gone to crap. Maybe at one time they were the top funders but now they are on my bottom list. I funded a deal with them and the deal defaulted on the 27th day(according to them). I wasn't aware about the default until 3 months later when they guy Brad called me on the phone out of nowhere. I told him he should have made me aware right away this way I could have got a chance to get my merchant back on board. Since than I have not funded any deals with them. Until today out of nowhere I get a renewal email from them stating that a different merchant of mine was renewed. So when I call them up they tell me this is going to go towards the money you owe us. Its not about the money, its about the principal of not telling me right away when he started bouncing payments. Joe and Neil real nice guys to deal with but that guy Brad Zukoff BEWARE! Credibly has gone to ****