[DonMcGrath]

Nice story there buddy. But you're forgetting one thing - there are state laws that govern commercial transaction. A funder can write whatever the f*** they want (and most high-risk funders just copy off of others), but if it violates the law, there is a case. For example, if you agree to mow someone's lawn and get paid, and they don't pay you (and no contract was signed), does that mean you can't sue them? Hell no. You can.

The legal system is complex, and I shouldn't have expected MCA brokers/funders that can barely string a coherent sentence together or construct a logical argument with ffacts to actually provide useful advice. But anyway, some people just accept backdooring.

And regarding the "stress and aggravation", there shouldn't be any. If this stresses you out the MCA industry is not for you. Anyway, glad this at least sparked a conversation to make people think.

So just to dig a little bit (Lord knows I dig enough with this community service beach work), if I mow your lawn and you don’t pay me, and no one saw me mow the lawn, and you say we had no agreement and you never told me to mow, and there’s no signed contract, yeah I can sue (anyone and their momma can sue anyone), but how would I win, and justify the money I spent on legal counsel?

At www.dumbleads.com, we justify our legal expenses by thinking about what merchants would do if they figured out how we gently coerce them to sign funding contracts with visits to their favorite restaurant.