I have a relationship with a lending network that offers conventional bank financing. It's not nearly as profitable as MCA, usually only pays around one point. Biggest problem with it is getting merchants to supply the requested documentation, they hardly ever do. To me it's more of a product to offer to show a prospective merchant you can obtain for them whatever type of financing they're qualified for especially the many that balk at the cost of MCA. I'm after the cc processing so I look at it as a value add to obtain the processing.