If you have merchants that have more than 5 NSF`s, 5 Negative days, Credit score below 500, they get declined. BUT....if they own a house or business and have some equity, they still may be able to get approved.
Signing up with WBL deals that would go by the wayside have 1 more shot at getting funded. Since there is collateral involved they will get better rates, longer terms, and more money. Takes a little bit longer than 2 days but if it`s decline anyway, it`s worth forwarding and email with info you already have right?
It`s just 1 extra question when speaking to the merchant. Regardless of positions, we can still get it done. Sometimes we can get them an ACH or MCA deal AND a collateralized (bank deals as we call them) your commission is WAAAAY bigger.
If they have good deposits or take credit cards we can put out competitive offers & fund the deal also, we do all 3. Call or email me and I will send you the details and ISO Agreement. My direct contact info is below.

Regards,

Kieran McQuaid
ISO Relations / Business Development
World Business Lenders
120 W. 45th St. 29th Floor
New York, NY 10036
Direct: (212) 271-8286
Mobile: (212) 470-7188
Fax: (646) 607-5341
Email: kmcquaid@wbl.com