1. Your company name has "loan" yet you're offering "advances"? Smells bait and switchy
2. Renewals at 80%, yeah EVERYONE likes that :/
3. Nobody would be inclined to join you if you're requiring a COJ that is non-existent in this industry anymore.
4. The mere fact you're mentioning "loan" to describe an advance is a rookie move.
5. I miss Tarpon Bend