Comparing MCA/ACH deals to a 5 year term is a bit of apples to oranges. If you qualify for a term loan and are worried about duration then just select a 2-3 year option and save even more. This assumes of course that a business owner qualifies for a term loan. As Isaac just posted, very few clients in our space qualify for a term loan. I think 5% is actually generous.

Even if they do qualify and take a 5 year term loan, 5 years is a long time. And short term cash needs pop up constantly. So when the next need arises and the client can't get another term loan, they move right into our space for funding. Comparing the 2 products doesn't make a whole lot of sense. The products serve 2 different needs and classes of borrowers.