07/29/2026
The past year has seen a dramatic rise in not only bad broker behavior, but an increase in business owners being talked into excessive merchant cash advance debt. Taking on short term financing to help accomplish a quick goal with strong ROI can make sense, stacking 3 together and watching 35% of cash flow service it is a great way to cause problems.
What they don't tell you is you have other options.
*Business term loans
*Bank originated lines of credit
*Personal term loans
*Invoice factoring
Does the broker you work with ever mention these things to you? If not, you might be working with the wrong person. Businesses with credit over 650 almost always have other options than an MCA.