Recommendations on how to go direct for this?

I've gone through Seek Business Capital.

I know of Midwest, I know National Corp Credit and a couple others that offer Business Credit Cards with "LOC capability" -- and seems like a good alternative when merchant has little cash flow, little TIB, no collateral, but a high score, 680+, 720+ (with tradelines)... but they charge 10 pts... only pay out to broker 2-2.5.

a) I take issue with them charging 10pts. (Yes, I know it's better than an MCA costs... )
b) Lender/broker split seems exorbitantly uneven
c) There's gotta be a cheaper way to get this done for the merchant?

Any ideas/recommendations or better solutions for business credit cards -- I feel like there's a more direct solutions out there I'm not aware of? - thx.