If he took out MCA before its highly probable either that its too many inquiries, or too many positions in the past. I've had clients in the same boat and most term lenders do not like if they even had 2 in the past with perfect payment history, or its that the MCA brokers / lenders are pulling his credit too much in the last 12 months.

Its a catch 22, like it or not traditional lenders look at MCA with a side eye