[OC Funder]

I hate to sound repetitive with these posts, but I'm out of touch with the funding industry since COVID smacked through it.

I have a few pretty clean files in the healthcare-related industry. I received offers, but they didn't seem aggressive in the least.

If you boast 1.15 buy rates, but I give you a file w/ no negative days, $10K ending balances, nice avg. daily, but you come back to me w/ a 1.30 buy rate, that's like the same as BEGGING to be shopped or not wanting my #1 spot for sending files to.

That being said, for future reference, who would you recommend as MCA funders for quality (A-B) paper? I'm talking folks that will ACTUALLY GIVE YOU a 1.15 buy rate on clean files & let you upsell it a good 12-15 pts?

You didn't mention FICO, TIB or what they do, which all would affect pricing for an A paper funder. Risk wise there's a big difference between an imaging center and an outpatient suboxone clinic.

[Fundyman]

You didn't mention FICO, TIB or what they do, which all would affect pricing for an A paper funder. Risk wise there's a big difference between an imaging center and an outpatient suboxone clinic.

Very correct, but FICO is above 650 & TIB is about 2 yrs. We're talking a healthcare-related industry; not trucking w/ 2 trucks owned. So my question is: "Are there such funders that still do the 12 months simple interest IOU-type funding while paying 8-12 pts, or no?

Is everybody just offering you 12 pts on all paper if you sell a 1.45-1.60 or do we have any Last of Mohegans still doing it like it used to be done a few years ago? I'm out of the loop. You guys gotta tell me.

I'm not trying to sound unreasonable/unrealistic. I literally don't know what to expect from the industry any more.