[Michael I]

I reject the notion that merchants only take MCAs when they're desperate, uninformed, or can't qualify for anything else. Speed, structure, frequently no liens... they're are several reasons why an MCA might work better than less expensive forms of financing. If a broker chooses to only offer cash advances that's their prerogative and they shouldn't be shamed for it if they're being honest about it. If they're baiting with fake lines of credit and other nonsense that's a different story, but otherwise there's nothing unethical about selling this product and it's odd that you insist that it is (here of all places).

fully agree with this