i own a small ice cream company and called Nextwave after recieving a letter that said i was pre approved ..I called them to see if i could get a loan being that my credit is good but not perfect banks wanted to much i thought at one point the banks wanted my soul they wouldnt even talk to me .Next wave was great they explained there product honestly and got me approved for 35 k i filled a small application they sent me a contract i signed and had my money in 2 days in my bank account everything they told me was true no lies like most other merchant companies they were honest and proffesional and helped me save my business thank you nextwave