[Cfairbank]

And, at proper capacity, if the computer can't recognize it, the human couldn't either so, you have to re-request docs anyways.

Ok, so that right there is the game changer. I'm sure however that top down needs to meet bottom up in terms of client acquisition at some point. But where? At what level does the productivity gained by the lender/funder benefit the broker/ISO? Or better stated perhaps, broker/ISO does the same amount of work and recon, and actually may spend more time in the process than less all said and done. Yet Funder/Lender benefits from economies of automation.

Still, I am a buyer of the opportunity and real FinTech for once. Not the paper chase.

Fair points, and this may be much more applicable to our partners than a traditional MCA funder. As we've seen in this chain, a clear complaint of Breakout by a number of ISOs has been our lack approvals due to our differentiated underwriting model; but that is coupled with a recognition that if we make an offer, it typically won't be beat. And I'm pretty sure our reputation as a "safe" place to send apps is clear.... we receive tens of thousands of apps, and haven't even been accused of mismanaging one.... So if this technology allows a broker that views us as difficult to send us an app, with no extra work except pressing "send", but the potential to receive a real-time approval that is unlikely to be beat (even if that was the only approval of 10 submitted), does that make it worth it for the brokers that view us as difficult (especially since they know we won't backdoor apps)? And that's just the immediate benefits...