Alex Shvarts

for a lump sum payment of $90,000 today.

And we'll collect 10% or whatever that fixed ratio is of your receivables.

So if you did 5,000 in sales this month, we'll collect $500.

If you did 3,000, we'll collect 300.

So it varies.

There is no term.

Until we collect all of our receivables, there is no term.

No, I mean, we model anywhere from eight to 16 months, but it's very unpredictable, right?

So there is no term.

There is no fixed term with our product.

We're taking a ride with the merchant at, you know,

Look, we look at historical data and we hope that business is going to increase and sales are going to go up, but it's really hard to predict that.

So having said that, why trucking?

So we've seen a lot of transportation companies fail.

The biggest problem they have is accounting for the cost of goods, which in their case might be fuel, right?

So fuel is jumping up and down.

They're booking the jobs at one rate.

They're not getting paid fast enough.

So they're having a hard time.

And this has been going on for years.