I ask this question because I have a client I have been working with for about 2 years now and the lender I've been working with does not discount on MCA renewals.

The buy rate at 12 months is a 1.26, would like to possibly get him additional money where the lender will discount his remaining balance whenever he renews. I could see this merchant renewing for multiple years in a row.

Merchant owns a restaurant that grosses approximately 3.5 million a year, the business is seasonal, summer months are bringing in about 600-700k. For this specific reason he only wants a credit card processing deal, daily won't work for him.