Paulgf I prettyy much agree with all you say here.
Also note regarding other financing options there really aren't alternatives in the realm of traditional 'trade' or 'debtor' finance as they require a binding 'PO' or 'delivery of product and invoice issuance' respectively. Not an option !
I also think if their sales people had a more traditional sell process/pitch they wouldn't hook anywhere near the number of SME customers into the initial agreement to 'potentially' become a paying customer.
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