[isaacdstern]

of course if the merchant has a choice between a 5 year term loan and an MCA always go with the 5 year deal...I would guess less than 5 % of MCA merchants would qualify for a bank/term loan

[nwarshaw]

I would say that less then 5% of MCA deals that you look at, but i would not say less than 5% of all DRP (Daily Remittance Platform) deals are, and monthly payments and longer turns can pick off the top and most profitable customers from a portfolio, and to come up with some reasons short money is good, may not be a bad idea.