It's not the lack of specific numbers that I find the most disreputable, it's truth-bending statements like "Merchant cash advances do not have an interest rate."
Merchant cash advances (a sizable, although definitely not huge, segment of lending) do not have an interest rate, they have a factor rate, which is an entirely different thing in finance. The factor rate is simply a multiple on the amount advanced (money that the borrower gets now) in order to determine the constant amount that must be repaid to the lender, the right-to-receive amount. Calling it an interest rate would actually be dishonest.