[seanrrwilkins]

Even without knowing the specifics of the deal, or your site/app traffic, I'd have a hard time accepting the deal based on the exclusivity and cash flow issues in dealing with the bank.

If this bank wants exclusivity, I'd ask for a multiple of their offer. If they don't want to pay it, you can easily shop this around as a white-label tool to apply to multiple verticals: banks and lenders, restaurants, travel, education, etc.

And don't forget that you will likely not see a check from any corporate customer for at least 120 days assuming 30 day for contract and 90 day terms.

I'd also look at alternative lending tools like SMB loans, gov grants, and SMB funding focused startups.