[JayBallentine]

500 FICO was a flag. I've seen guys go low on 601+ Never seen a guy with up to 3 NSFs (max) and a 510 FICO get a 1.17 rate.

Dropping the rates 10 points threw me off as well.

Sending me an editable contract (in word format) was equally alarming.

These amongst other things appeared strange to me. 500 FICO = 1.17. 10 points lower (490) = 1.42, according to them.

EDIT: By the way - they clearly understood that all "premo" paper would go directly to Kabbage. Absolutely zero point in us "working" deals for guys with great credit and a strong depository profile. We wanted to lock in various options for stuff that Kabbage couldn't fund.