[Kevin Henry-Seacoast]

didnt mean when they have the line in place already, maybe I phrased my question incorrectly. I meant when merchant says why take out MCA when they can just go to a bank.

Oh-I don't think it would hurt them in the future obtaining a more traditional working capital solution. What may ding them up is several entities pulling credit on the client simultaneously while they are out seeking a working capital solution.