I don't know Zev but this is pretty Silly. Gotta give him credit for being straightforward and letting you know what he is doing upfront. there are 100's of ISO's who do this and not mention anything. Bottom line, this merchant is going to take more $ if they need it. if its not this ISO the merchant will find another who will give them more funds. The other ISO might even refer them to a debt settlement kinda place after giving them the funds. That is the ultimate scumbag ISO move and a line that many shady ISO's will not cross.