[WestCoastFunding]

12K is 33% of their balance, not 6%.

Again, 6% is automatic on CAN payoff letters. If they chose to offer a 6% discount or 33%, it's their choice and won't affect funding with another company. As I mentioned previously, my client negotiated a 20% discount to payoff CAN 10 months early. And BFS had no problem with it. Negotiating savings for early payoff isn't a problem with most funders, as it benefits both parties. Funders eliminate all risk and can then use that money to fund again. Many funders I've worked with will reduce the factor rate by 1-2 points for each months paid back early. So really, negotiating savings for paying off early won't have an effect.