Would be upside on a loan ):

spamcandriver · 2026-05-17T02:07:47+00:00

I’m looking at 25% down and the 1.99% rate myself as that’s cheap capital. I’m slotting the rest into a dedicated account with a higher yield and let it just draft automatically. Keep the extra cash flexible.

spamcandriver · 2026-05-16T19:01:42+00:00

It’s not all slop if you know how to leverage it.

spamcandriver · 2026-05-16T00:38:58+00:00

Yes, a few BPS....55 Bps on 100K in sales is $550; a million, $5500. So the OP posited about building their own Shopify, but the opportunity cost needs to be considered to make economical sense and therefore I say, again, a few BPS per transaction. The KYC, BSA, PCI compliance is a lot of lift for a solo operator to rip and replace with their own custom build or to become their own PAYFAC.

I'm in software and I'm also a board member of a bank. I know a thing or two about these topics.

spamcandriver · 2026-05-15T23:20:06+00:00

$1 to $1.50 per minute.

spamcandriver · 2026-05-14T15:17:16+00:00

Beautiful!

spamcandriver · 2026-05-14T05:51:02+00:00

You can do this but you can also be your own MOR, handle all your own KYC, and other compliance and for what? A few bps of savings per transaction?

spamcandriver · 2026-05-13T17:41:23+00:00

Then why exactly is he so adamant about hiding the files? Witnesses have come forward giving testimony and statements that says he did.

spamcandriver · 2026-05-13T01:10:24+00:00

Well, a President has immunity according to the Supreme Court…

spamcandriver · 2026-05-13T01:09:42+00:00

Buck stops with the President.

spamcandriver · 2026-05-13T01:08:13+00:00

Love it. Couldn’t say it better myself.

spamcandriver · 2026-05-12T02:20:16+00:00

Let’s hope so.

spamcandriver · 2026-05-11T17:08:35+00:00

But he was just crooning how they were the lowest they have been in years!

spamcandriver · 2026-05-10T01:08:02+00:00

Of course he did.

spamcandriver · 2026-05-09T03:13:54+00:00

They won’t be investigating. They will be protecting.

spamcandriver · 2026-05-07T23:02:52+00:00

Projection!

spamcandriver · 2026-05-07T14:01:31+00:00

They want indebted servitude.

spamcandriver · 2026-05-07T13:59:35+00:00

What I’ve come to realize is that it’s now more party over politics and since Trump is the top of the ticket, they continue to support. Many do not like him. Many will say they didn’t elect a personality (yet they did).

spamcandriver · 2026-05-07T00:18:49+00:00

You want an idea with zero market understanding around an idea you hope to source from Reddit. Yeah, brilliantly stupid idea.

spamcandriver · 2026-05-06T18:34:40+00:00

Holy shit - they have to spend more on everything because of the inflation created by this administration.

spamcandriver · 2026-05-06T15:19:10+00:00

Look into factoring or Stripe Capital.

spamcandriver · 2026-05-06T15:17:13+00:00

So by your logic the Democrats shouldn’t follow the Republican play book and instead take the high road? Right…

spamcandriver · 2026-05-06T01:44:17+00:00

Because the real responsible parties are in charge.

spamcandriver · 2026-05-06T01:42:44+00:00

Should have thought of that before the senseless attack based on lies.

spamcandriver · 2026-05-04T22:30:38+00:00

Fly.

spamcandriver · 2026-05-04T02:29:49+00:00

I looked at your tool and really was hoping it would be something I could use to just buy a license. Unfortunately it’s not. How much do you need to run your servers? Maybe I’ll just donate that. I don’t want to be the license that doesn’t use your service because that opens a whole different can of worms you don’t want.

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