This merchant has a credit score of Mid 600. They deposit 40k-60k a month, but only have a avg monthly ledger of $500 a month. Monthly expenses are only $3,500. They only have high withdrawals because they are always purchasing new vehicles. They have titles for all the cars in lot. Business has grown constantly with gross sales of $290,000 in 2013 and $300,000 in 2014 and $310,000 in 2015 lastly $466,000 year to date from January through September 2016.

Collateral they have:
-10 arce property in Bakerfield California.
-account receivables of 25 accounts totaling $130,000 payable in monthly installments amortizing in less than two years at 29.9 %
-purchase line of $50k