""We dont know the $ value customers are willing to pay for...

""We dont know the $ value customers are willing to pay for their services." - yes we do, ARPU is around $7000 IIRC"

You do not recall correctly, which is kinda weird considering your interest in the company. ARPU is now $8,200. You may think that is fantastic, but for me it was one of the big red flags.

In the last quarter going by Big's response there were no direct customers. So all we know is that there are lots of SME's out there prepared to sign up for interest free loans that they can and do easily decline.