[BB_Cooper]

Decision Logic or Plaid
There's not a dearth of solutions like that in the market today that just weren't there 13 years ago.
Also, I imagine that investors liked having the set daily payback to know that 6 months means 6 months.

Good point Micah. Do MCA investors or many of the merchants want fluctuating daily draws?

[Fundkite Egor]

Good point Micah. Do MCA investors or many of the merchants want fluctuating daily draws?

Speaking from personal experience as an ISO rep at Fundkite, majority of our merchants are happy to work with our reconciliation and believe its beneficial to their business cash flow. As opposed to a fixed payment in which the merchant may worry about making payments when business is down.

Reconciliation allows merchants payments to be flexible according to their sales, so yes, a 6 month term could end up being 4 months or 8 and we're fully prepared for either scenario.