Revenue margins and cash transaction margins are what is...

Revenue margins and cash transaction margins are what is important - doesn't matter about the borrower rates, as long as they maintain their revenue margins.

Do you really think that if Canada was contributing and decent revenue that they would have closed it? Clearly it was a very very small component of US revenue and irrelevant to the trajectory the US is on.

If you scroll through the thousands of posts made in the last couple weeks there were plenty of aspersions cast that the company wasn't able to refinance.

You don't know how much closing Canada will cost, let alone "plenty".

You say only "$300 million for growth" as if that is some small amount - they can use that to fund a huge amount of growth. And if they grew so fast that they started to reach their limit I have no doubt there would be institutions lined up willing to lend them more against their receivables and increase their limits.

The point of the cash increasing was to demonstrate they are in no danger of needing to capital raise. And as they continue to grow this will become even less likely.