Ask them if they have any property with equity.

You can do a hard money property loan which is easier if any property is free and clear.

I had a client with $150,000 MCA debt costing him $32,000 a month.

He had his primary residence and a rental office building free and clear.

I got him a hard money property loan for $150,000. 1% a month interest only - payment of $1,500 a month for two years.

Saved him over $30,000 a month.

There are options outside of the MCA box.

If the loan to value (LTV) is low enough (less than 60%), you can get away with a BPO (Broker Price Opinion) or CMA (Comparative Market Analysis) and not need an appraisal.