Hi Red, let's talk about it...

1 - multiple MCA balances: means when he needed funding, he was desperate and couldn't wait.
2 - needs additional capital: means he needs more money DESPITE the multiple positions
3 - good credit, healthy banks, good revenue & profits: contradicts 1 & 2
4 - Term loan with monthly payment: Probably not possible with multiple cash advance positions, unless he has some form of collateral.
5 - 5-15% APR (depending on term?): Hard money is your best option here considering all of the factors above.

There are some guys on here who say they dedicate themselves to this niche of business... In my humble opinion, if he doesn't won't take another MCA, or reverse (to get out of the problem) you're probably beating a dead horse.