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Sean Murray: How about this
we'll give you an advance on

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what you would typically make in
a month on your credit cards and

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debit card sales. And then
you'll pay it back by us taking

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a percentage of your credit and
debit card sales going forward,

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until we've recovered the amount
that we've given you plus, like

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a fee on top. And this started,
like I said, 20, 20 plus years

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ago, the company that was really
famous for it was called Advance

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Me which today is CAN Capital.
And if I'm not mistaken, they

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started doing it as far back as
1998. Meanwhile, the concept of

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splitting the payments apart and
directing it to two different

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places or three different places
that actually started in the

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1980s. So like a quite a long
time ago, but it really didn't

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become mainstream in any form or
fashion until the late 90s. And

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it really took off because this
was a way of providing capital

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to a small business where the
risk was removed, of the

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business's cash flow and credit
history. Because if you're a

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bank, the risk to you is that
you're going to go in to try to

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debit the account at the end of
the month, and the payments

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gonna bounce. Or it could be the
other way around, you're gonna

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say mail me a check every month
towards your loan, and if they

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don't mail you the check. What
are you gonna do, then all of a

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sudden, you're a creditor like
everybody else, right? And

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you're just a lender like
everyone else. And that's not

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that's not what they that's not
what they wanted to be doing. So

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they removed the risk of both of
those things by simply taking a

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percentage of the card
transactions which they knew

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were gonna happen because they
had they could see the history

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of the business transacting they
take a percentage from the

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beginning before it's ever
deposited in the business's bank

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account, and that allows them to
get paid while removing the risk

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that a debit is gonna bounce or
that the business is going to

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fail to send in a check.