I can see how that would play out. "The True cost of capital on this is advance will be 325%, closer to 400% if you throw in the junk fees. That's at a factor rate of 1.45 over 3 months, meaning you repay us $1.45 on the dollar. So we're extending $20,000 to you and you repay us back $29,000 in less than half a ye... Hello? Hello?"

I would be surprised if ya'll covered anything other than amount funded, daily payment, and term.