Cali business since july 2016 has 80k deposits low mths, high mths 150k needs 15k for 20-22k max 2 mths ,heres the trick merchant would like to make 2 scheduled payments split as first payment 10k 2nd payment difference . No invoice factoring merchants clients will not approve or he doesn't want them to know he says . Merchant has separate entity 8yrs same industry doing a little higher volume. Has a 1 position balance low 20's but he pays back every 2 Fridays 35% of previous 2 weeks deposits. He will not take another daily payment program he loves % of deposits now. Same lender wont do deal because they no longer fund in Cali.