RichardGerard,

I'm afraid i missed that he had an sba loan as well, i was under the impression that he had a 120k loan from a bank for one year and that was it. In that case he would have been able to get a cash advance. You are right in that sense, he is not able to get additional debt but that would be taboo on your part knowing all that information about the merchant being over leveraged and still posting it here to look for 120k for a possibly longer term and to payoff the debt he currently have with the bank.