a lot of business got their PPP money recently so they will say they are good and don't need anything....fast forward 6-8 months from now when all those businesses get audited and some have to start paying that money back on top of all their other expenses they will need money. Even now most businesses will not/can not be at 100% capacity that alone will keep their revenue low and if they did get PPP money that money is gone within first month or two the most. They still need money. Business will still need money and banks are still not lending. They will always be a market for mca in one way or another might be a smaller pool of lenders to send business too but they will adjust and lend.