The loan that could change your business (and why most owners don’t know about it)

By Micah Abigail LLC | 2026-05-18

Most business owners we talk to are either stuck using personal credit to fund their business or they’ve signed up for an MCA — a merchant cash advance — because it felt like the only option.

It wasn’t. It’s just the one they were sold.

We actually just dropped a new episode of my podcast, Rebuild & Rise, this morning where I sit down with Sterling, an SBA lending expert at Lendstra, and we break the whole thing down. If you’re a business owner or you’re thinking about becoming one, this episode is required listening.

🔗 Here’s how to listen and share:

▶️ Watch on YouTube
🎧 Stream on Spotify
🍏 Listen on Apple Podcast

But here’s the short version:

MCA loans aren’t loans. They’re advances on your future revenue — and they come with factor rates that translate to effective interest rates of 40%, 60%, sometimes over 100%. They pull from your business account daily. They wreck your cash flow. And because they often don’t report to the bureaus the way traditional debt does, they don’t even build your credit while they drain your business.

SBA loans are the opposite. The 7(a) program offers rates currently in the 10–13% range. Repayment terms up to 10 years for working capital, up to 25 years for real estate. They’re backed by the federal government, which means lenders take on less risk — which means you get better terms.

Want to see it broken down visually? Watch this short clip:

🎥 Watch here: https://vimeo.com/1192017803

The difference between an MCA and an SBA loan isn’t just interest. It’s the difference between surviving and scaling.

But here’s the part nobody tells you either: you can’t walk into an SBA loan with broken credit. Lenders want to see a minimum 650 credit score — and the stronger your profile, the better your terms.

That’s where we come in.

At Micah Abigail LLC, we specialize in mortgage-focused credit restoration and HELPING BUSINESSES BECOME BANKABLE. But credit doesn’t care whether you’re buying a house or building a business. The rules are the same. The strategy is the same. And once your credit is where it needs to be, the doors that open — SBA loans, bank lines of credit, business credit that doesn’t touch your personal profile — are worth every step of the process.

If you’re a business owner and your credit isn’t at 680 yet, let’s talk.

If you’re not a business owner but you’re thinking about it — let’s talk.