I liked how fast they moved and the way the rep walked me through statements and cash flow. I did feel the daily debit was a bit aggressive for a slow week, but they adjusted when I asked. Not cheap, but it solved payroll on time.
Started with a short web form and a quick call. They explained factor rate, fees, and daily ACH in plain language. Bank connect worked, approval came same day. We negotiated a lower holdback and they listened. Funds hit next morning, no surprises.