The degree to which a business’s revenue depends on a small number of customers.
A genuine risk rather than a technicality: if one client is most of the revenue, losing them ends the receipts an advance is drawn against. Most pronounced in construction and contracting, where a single project can dominate a statement period.
Underwriting
A funder’s assessment of whether a merchant’s receipts can absorb a daily remittance, and on what terms.
Deposit count
The number of separate deposits into a merchant’s account in a statement period, as distinct from the total deposited.
Retainage
A portion of a contract sum withheld until work is completed and accepted, common in construction.
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