I have lots of restaurants in my Credit Card Processing merchants in my Portfolio book.
Phoenix and California

Calling only on the ones with.
Strong take out (strong during covid is at 70-75% volume) meaning they dropped 25%-30% in credit card volume
Monthly processing volumes range $25k - $60k
5+ years plus in business
Home Owners
Credit score, at this point i don't know.
no bankruptcies
no liens
I don't know about current or prior MCAs or term loans, will ask as we go.

You give me the criteria ill send these deals that meet that.
I don't want to waist my time with flaky stuff.