most companies that tried to do low rates and undercut competition as their core model ran into collection issues and shut down. ipayments tried to do this with ifunds (their inhouse mca at the time) for awhile and that didnt last as a simple example. i dont think they ever recovered commissions to brokers...you really need to have a blend of rates that align with the risk profile of the customer. some should get lower rates, some should get higher rates, some should get shorter payback periods, some should get longer..-all based on factors most established funders have found performs well. risk based pricing-