Its just all "I hope they pay me" which doesn't make any logical sense no matter how you guys want to spin it. Lending money is an investment, and a disciplined one at that. Funding default deals is roulette. "Let me give him 10k on a short term and go heavy on the renewal" is when the merchant burns you, and they know exactly when and how to do it. Why? They did it once before lol Most deals burn you in general as every deal has its timeline.. just a matter of WHEN they will burn you.