Greenfield is one of the most expensive lenders in the free world. The avg cost of funds with this group will exceed 24% with all fees added.[no exact details to HIR are known] Wells Fargo will cost an avg of up to 13% with fees. The avg borrowings have exceeded $5m. Do the math. The real inventory of a HR/staffing /outsourcing group is CAPITAL, their cost of goods sold is salary expense paid weekly. The get paid monthly. Each new contract requires an investment of up to 4 weeks salaries before they get check one.The old facility had servere limits with no room for growth. Wells will usually have an open ended credit facility without the size limits Greenfield has had, and the treasury functions to make more rapid growth affordable. This new management team Which JMM has put together should make this company jump next year- we will see.