This guy rips off EVERYONE he comes into contact with--most especially his clients but he also rips off people who work with him and for him. He lies about factor/interest rates and says there will be no fees when there are exorbitent fees. My brother worked for this loser and I, being a business owner, signed up for a Credit Card Merchant Advance. Mitchell Bain promised me a certain interest rate and then changed it to a higher rate in the contract. He also said that there would be no-up front charges and there was over $1,000 in fees that needed to be paid in order to get the loan. I went through with the loan and then my brother told me that Mitchell Bain didn't even pay him his commission--not one dime.