YSC is one of the most "necessary" funders out there to those who are unable to adequately do their job. At the end of the day, we find the most suitable capital provider for businesses who are seeking capital - "brokering" a transaction. If as a broker, you need to send your file to another (better) broker to get it approved, you are pathetic and have no business doing this for a living. Furthermore, you are just adding in additional fees to a product that is already under scrutiny to begin with. That said, YSC does have in-house funds (as everyone knows) and without the fees, coming from Andy, the offers (for those merchants, given qualifications) are strong to very strong. So it is tough to label them as good or bad, as there are several aspects to their business. Again, barrier for entry would eliminate co-brokering (for the most part). Not going to comment on debt traps as that isn't going anywhere on this thread. But if you wipe away all the fees and bad press, there is legitimate value in YSC.