[jotucker1983]

We don't pay for any UCC leads. I see your limited mindset.

They still have cash in the bank every day and at end of the month..Some months are more deposits depending on insurance payments

- The merchant is a typical UCC lead, which means he was found in the UCC system, which explains why he has 4 positions stacked on top of On Deck.

- They do $83,000 gross monthly but their outstanding balances are at $76,500. What are the total daily payment amounts on all 5 positions?

- If I'm going to guess, the merchant is probably using at least 40% of his gross sales to payback the 5 positions. I bet he probably has NSFs/Overdrafts all over the place.

Stop wasting your time on this deal. Tell the merchant to stop taking out funding on top of funding (because if anybody is foolish enough to consolidate this, the merchant will stack again) and to pay off these damn advances normally (if he even survives that long). From there, you can see what you can do for him down the line.