Steve, I'm not condescending by nature, but I am getting annoyed with you.

The OP stated that this is good for clients with MCAs but didn't say that they can use it to pay off the MCAs.
Let's look a little deeper. Look at the bottom of the jotform.
The "Liftoff Card" is a concept that someone will get funded in "tranches" which merchants will never take because who's to say that the next "tranche" will come? Is this designed for "flex" deals? If I'm wrong and funding is not in tranches and it goes to a prepaid debit card, they will be stacked to NO END because the next funders don't see a deposit, just a withdrawal to a debit card regularly, which means that the funder will lose their pants quickly as they get double-funded easily.

I believe a company called Aquila https://www.aquilacashflow.com/ used to do this, automated UW and everything. As you can see, they're no longer funding.

The card and home improvement loans may be nothing connected, but it doesn't give me much confidence that the Fintech lender is also brokering these things out through some other Fintech platform.