This deal is how
you earn the next one.
Payment history is the currency of this business, built one performed deal at a time. Sometimes the right answer is a smaller first advance, a clean track record, and a renewal that comes in larger and priced better. That is a roadmap, not a consolation prize.
Four things that are
different the second time.
A first advance is priced by a stranger on an unproven file. With clean payment history, a merchant earns longer terms and better pricing than the score alone would give.
A renewal pays off the remaining balance and funds the difference. It is not a second position on top of the first, and the daily-load rule still applies: we do not renew a business into a choke.
We track the paydown and get in touch as the window nears, and ask for fresh statements then, so the file is ready the day it crosses the line, not a week after.
Many agreements carry a prepay discount that steps down at set points after funding. A renewal that closes inside one pays off the old balance at the discount, so more of the new advance reaches you.
The factor is a ceiling,
not a price.
Every offer we write ships with an early-payoff schedule showing what drops off at each point in the term. You are looking at the worst-case number. If the job pays out, the container sells through or the season lands and you clear the balance early, the schedule shows exactly what you save. It is built to reward finishing early, not to trap you for the full term. That is what makes tight-margin businesses work, construction above all.
Discounts, their timing, and whether they count calendar or business days are set by the funder and written in your agreement. We use the dates and figures on your paper, never an estimate.
Best product you
qualify for, every time.
If a file has earned retention or premier pricing, it gets it. Holding a merchant at high pricing on a file that has earned better is how you lose the renewal and the referrals with it. We build a book of business, not one-off deals; instant gratification gets clawbacks, not a rolodex.