[Zach]

Thanks, everyone - definitely appreciate the suggestions.

Should I be suspicious of an On Deck contract sent to a merchant (via ISO) for 18 mths for 20K+ what the merchant is averaging. Merchant has been with On Deck on an 8 mth program - but the 18mths for an additional 20k on top of his average seems a bit odd. He's doing about 50k in sales.

On Deck lends up to 15% of their gross annual revenue, which is why you are seeing that approval.