I have a merchant that does roofing that sells to residential consumers over 3-5 states. Does about 15M+ a year in deposits. No advances, No Loans on statements.

Average daily balance is 70k-120K.
Bankruptcy Dismissed 2018
FICO over 700
COJ with an MCA that was over 4 years has been paid
Residential receivables are 850K
No property, No equipment for collateral
PNL 2020 shows profit of over 200K
2019 net income end $680,000

NO MCA WANTED