AGREED. Although, a lot of times the factor rate is more of a afterthought to how the deal is structured. (example: if the merchant wants a lof money for 2 months I can afford a HIGH Daily Payment/Low Factor...and vice versa)

In that case a 1.45FR isn't exactly indicative of a POORLY QUALIFIED MERCHANT, it is more likely indicative of the other parts of the deal Dollar Amount, Term Length, and Payment