unless they are trying to create leverage for usury cases this changes nothing. Even so, there's precedent already set by many judges and courts.
honestly if the merchants see 300% apr on the agreement they would be taken back at first, then will become much more digestible after they do the math themselves. Most people are very analog and like to keep it simple. "This 30k will cost me 40k estimated 8 months from now. how long will it take to see profit" or "the payments will most likely be $5k per month (estimated) and this truck will bring me 10k per month"

anyway, time is money for all small businesses. more expensive money right now is more valuable then cheaper money later, that is if the banks want to give money, in my opinion.