[MCA]

There are literally thousands of merchant services reps that would die for a file like this. As long as his Visa/MasterCard volume is decent then he should be able to get 20-30k at a 1.20-1.22 over 9 months. Yeah the upfront commission wont be as much but the back-end residual every month will be nice to have

I can point you in the right direction if you'd like.

First let me point out the original poster is talking about lockbox, which means the CC processing will not be changed so I am not sure why you think that would happen? Second no funder would offer this guy a 1.20 - 1.22 over 9 months NO WAY, that is a A paper rate for a D-F file. Chambo is correct in his post and if he can't manage his cash flow right now what makes you think he can when he loses 20+% of his CC receipts? He can't and will change his lockbox deposits back to his account and the Funder will then be looking at a loss.