[Karen37a]

Are you asking for a list of the low cost funders? Or just some of the rates?

Some had the rate down to 1.13, then moved to 1.16-8 with 5 point cap on commission and % discount on renewal for double dipping. 1.21 ,12 months, cap at 10-12% , some with no underwriting fees , some with additional underwriting allowed built in with a split or no split, pre payment adden sometimes allowed, some with weekly payments. ( case by case basis )

15-18 mths .. allow for the time value of money, factor in additional risk and turnover of money potentially lost. Strong files. Prepare to be nagged for a renewal at 6 months. A few companies do not allow for additional psf fees because they can build it in to the price of the advance. Its better that way anyway. Some charge it but will not share it or give half.

Stacks the same I only stack to get the client away, I do not stack myself I wait for renewals. 4-6 month seconds7-10...12 on a strong file, hard to do.

Like you said I am a newbie, ill save you from the bad newbie advice or answers. Not sure if its a volume/ preferred broker discount, if you have high renewal ratios and low to no defaults that might help get better offers. Maybe some of the veteran's will give away their specific secret sauce in regards to pre-underwriting which is the key to their success. Doesn't make them money so I cant see why most will unless you are friends with them or civil