While not advisable as a long term strategy for accessing cash, an MCA might be the best option to take advantage of a short term business opportunity such as purchasing inventory at a discount. It might also be used by operations that conduct business almost entirely through credit or debit payments but don’t have a good credit score and so can’t qualify for other types of financing.
Interest Rates on MCAs can be substantially higher than for other forms of business financing so consider carefully if this option is for you.