Looks like Little Underwriting, No Merchant Interviews, No Site Inspections, Not Caring About NSFs and Negative Balance Days, Lowest Rates in the Industry, The Retention Calculator (Retention!!!!?), 2 Pt Sales Bonuses, Sharing Offices with Future Competitors, Taking a Line of Credit from a Future Competitor, Bloated Management Layers in Multiple Facilities and then Selling These Loans in a Package to Institutional Investors IS A BAD BUSINESS MODEL.