19-40% is pretty usurious. Alongside the requirement for operational control over payments makes this a bad idea. For small amounts (under $250k) you're bette

19-40% is pretty usurious. Alongside the requirement for operational control over payments makes this a bad idea. For small amounts (under $250k) you're better off even taking a personal unsecured term loan (8-15%) or remortgaging (4-6%). But there are still better business options provided by venture-aware banks and lenders like SVB, CNB, Square 1, WTI etc.