[ryan $]

yeah very confused here , just take an example of 100k 12 month 1.3 technically it is a 54% apr but with the clause of sales dropping and what is happening now ,so the deal takes you 18 months dropping the apr to 36% and just keep taking the out further and further. so are you just going to write apr from 4-54% .If anything this will make it more deceiving to merchant. What am i missing?

exactly.

What if it is a CC Split? "Guessed APR"