Great advice! Actually I don't lead with "advance' but "financing". The conversations many times are about equipment financing or term loans/LOC. You're right that it takes very little time to discern if they qualify.

The resistance to MCA isn't itself an issue because I always ask if they need "conventional" financing and that I can provide them with competitive term sheets. Thi week I submitted a RE deal to "Deal Bin" and received help right away.