@abfunders, that was my error in wording. It's actually 2 different files I am trying to fit somewhere. I have one merchant asking for a LOC and another looking for a 2-5 yr term. I honestly don't even know where they fall yet... I was jumping the gun while waiting for financial data. Also, thank you for the info, it confirmed mostly what I have been finding, so at least I know I wasn't too far off in my thought process. They might not ever become viable, but thought I would ask since I was on the forum.

Thanks for responding, once I get more info I'll definitely reach out.