Client is in a pinch and needs an immediate $20 - 30k to cover some expansion expenses.

This home health care client has the following profile:
-13 years in business
-Guaranteed deposits
-One existing MCA - $30k original; $15k bal; $305 daily
-Average $32k/mo gross
-Client was recently awarded a lucrative govt contract (Medicare) that kicks in in the next 2-3 months, that should add another $60k+/mo to their bottom line.
-565 FICO as reported by soft pull

Last 4 statements:
Neg. Bal. Days: Jan=3; Feb=6; Mar=12; Apr=14
Neg. Ending Bal: 3 of 4 months

The owner is ready to put up 2 residential lots (raw land) with an estimated value of $25k+, as collateral for a loan.

Is there a direct lender out there that can handle this? Need to move fast, if at all possible.

Thanks.