[Karen37a]

Doing an apples to apples comparison doesn't take into account the renewal ( dd) the additional cost or taking on the additional risk.

I have merchants tell me they don't mind paying more money with their current company because they can call and get additional funds with out drama

ITS NOT ONLY THE APR

That smart box isnt going to help when someone like me says...this is how it really works, in plain english
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This isnt Harvard Yard and Elite Investment Banking for Aristocrats who look at Quantitative Analysis and the Qualitative analysis of Ebidta and the Escoteric scoring model Algorithm...

You think they understand all that, or even care...they dont. What type of person is even going to look at all that?

The type of person/cfo that can go to the BANK for a loan.

Some A paper lenders have not turned a profit since inception. There are holes and flaws in every type of advance or loan...cant imagine how much more certain lenders will lose if they caused regulation trying to corner the market.

This is money that investors are giving to someone for a purpose, to make a return on their $$. Getting a Loan or Advance is not a right that we are born to, in fact its the exact opposite.

Regulation? Lend them your money and not get it back. These are non collateralized advances.