I have a merchant, has a spa. Doing 40k a month. Banks are great and i am sure credit is good.

I got him some offers on $35k. 1.36 over 12 paying 8. No origination fee. On Deck declined him, that is my goto low rate funder.

He said he has the following offer. $35k, 1.17 over 12 months. Besides Amex, who else is doing deals like this? Paypal?