NAB straight up card, page-23

Weren't you the bloke telling us because the receivables book turns over so quickly there is no great need for additional capital.....make your mind up.

Anyway it's better than APT when major Banks decide to enter the market and withdraw or fail to renew APT warehouse facilities as they would canabalise their own market..

The banks have simply taken a watching brief, had access to all APT receivables data and now decided to make their move.

Contrary to your attempt to baffle potential newbies with bluster Klarna has a distinct advantage in access to capital.