[jotucker1983]

Thanks to everyone here for feedback and great advice.... should I post all my other questions here to make this a discussion or should I create new posts with my new questions. What ever is best for members and administrator

I have plenty of more questions but not sure how to proceed, and will not proceed till I get the green light as to what is acceptable and not with older members and newer members like myself

I'm not an Admin, but if I were you I would keep everything on this thread here so you can also easily go back and read over previous comments to previous questions that you had. It would be like starting a journal in some ways.

An ISO with larger volume and a book that performs well will 100% get better rates and a preferred level of service than a newbie or smaller independent broker. This isn't debatable, this is a fact in this industry.

I totally agree with the level of service upgrades which includes better attention being made to your deals, Underwriting being more lenient on deals, having a dedicated Account Manager, etc.

I'm not sure if I agree with you on the rates though. Sometimes the internal sales team might have lower "base rates" to play with than the external brokers in "general", just to increase the Funder's individual profit on internal deals, but the average marketed factor rates (no matter if it's internal or external) is usually within the market pricing strategy of the Funder.

I don't know of an A/B Funder that has a File submitted by a guy with 1 month in the business (rookie) and after doing the initial underwriting they see the file is a clean A Paper file, but they aren't going to provide the rookie with "as competitive" A paper premium pricing that you can because he's been in the business for 1 month?

Even after the rookie tells you the merchant is shopping this around?

You aren't going to "make an exception" for this file only and provide those secret lower base rates that you have, knowing your competitors will, and potentially lose the A Paper merchant because a rookie brought him in, and not an 8 year vet or a PPC ad lol?

I have no idea how that would make any sense, but hey there's a lot of things that some Funders do that don't make any sense, so I'm not saying there aren't Funders out there like this.