Currently sending my larger files to Altria because they give good buy rates of about 1.19-1.25 on most offers with points built in but their process is mess as in time to fund, and back and forth when closing. I like them because their offers are more revenue based and not credit based. So a merchant with a 600 score with good revenue can get a low buy rate and usually a year term. Any alternatives anyone is using with success??? (And yes we use Rapid and Credibly and I have gotten 500K offers from Altria on files they have declined). Any suggestions?