In their words

Our fryer line and the hood above it both failed inside the same week, in the middle of football season. The advance was approved the morning after I sent statements and the money was in the account the next day. Collection came out of card sales, which for us is nearly everything we take.

I needed to buy a pallet load at a supplier price that expired on the Friday. Two hours to an approval and the wire landed Thursday. The discount on that order covered a meaningful part of what the advance cost me, which is the only reason I did it.

January and February are genuinely dead in this business and I have eleven people on payroll. Because the remittance is a percentage, those two months took a great deal less out of us than the spring did. I have had a fixed weekly payment before and the difference is not subtle.

Two tractors down at once and a third due for its inspection. I told them upfront that I already had a position open with another funder and they priced it around that instead of pretending it was not there. The total was on one page and it was the number I ended up delivering.

My credit is not good and I said so on the first call rather than waste anyone’s time. They told me where the floor was, said the bank statements would decide it, and then that is exactly what happened. Nobody promised me anything before they had read the account.

We took the second advance on a renewal after delivering most of the first one. It was priced better and it took a fraction of the paperwork, because they already had the history. The same person handled both files and answered the phone each time.