[HDF]

so disclosure is great but one can think from all the discussion that business owners are not aware of costs of capital and they are like crash victims signing documents while they are being rushed into an ambulance while in a semi coma

Happy to pile on.

Being a commercial lending professional, it is incumbent to make SURE the business owner knows the costs and fees involved. Relying on busy individuals and their businesses to figure it out entirely by themselves is irresponsible and is getting riskier by the day to the hacks and chop shops.

[J.Celifarco]

Happy to pile on.

Being a commercial lending professional, it is incumbent to make SURE the business owner knows the costs and fees involved. Relying on busy individuals and their businesses to figure it out entirely by themselves is irresponsible and is getting riskier by the day to the hacks and chop shops.

Agreed 100% i dont believe in hiding any fees ever I just stay away from using APR unless asked specifically about it