but I am not ever going to agree that something that was given to me with expectation of me returning is not a loan just my personal opinion and you don't have to agree. Appreciate the banter.

Leave the business asap - You are clueless - the reason that MCA can be sold at a FACTOR RATE" vs an INTEREST RATE is it a purchase of future sales without a specified repayment date. That is a true MCA - read and understand any contract from any funder in the MCA market. Truth be known - a merchant cannot default on a true MCA if their revenue decreases.