What is it about SBA programs that more merchants aren't doing them, with exception to the time it may take to be approved?

I've done some research and it seems like SBA prides itself on being an excellent resource for access to capital. Low rates, long terms. Network to countless lenders. Loans, lines of credit and microlending.

I am not talking about our MCA clients who are stacking, 5 mth behind in rent or so underwater they are days from shutting down. I'm talking about the mid-level merchants who qualify for their average volume and otherwise decent criteria.

What am I missing? Also, what has the experience been in the MCA world in taking those clients who might qualify and applying them for SBA's?