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Everything You Need to Know about a Business Cash Advance

By Jesse Baars Subscribe to RSS | May 18th 2012 | Views:

After many sleepless nights and countless revisions, you finally came up with the perfect business plan. You have your target market, competitive edge, and future profit projections. What you probably don’t have at the moment is capital.

Capital comes from either the business owner’s pockets or outside sources. The latter case is probably the more common option. Most lenders take a serious look at your credit history before they give you anything. If you’re not too confident about your credit score, you can use a cash advance instead.

The application and approval process of a cash advance is relatively quick. The cash advance lets you have money now, in exchange for a percent of your future revenues plus interest; since the payoff is a percentage instead of an absolute amount, your periodic payments are fairly proportionate to your earnings. Additionally, you are given capital immediately, regardless of your credit history. You only need to show that you are capable of producing strong future cash flow to pay off the cash advance.

Think of a cash advance as an investment. Suppose you plan to open your toy business in December, but you don’t have sufficient capital. If you go through conventional loan application processes, your loan may be approved only in January. This means that you lose the chance to earn your profits in December, which would have been possible had you in possession of cash to open your store and sell your toys in time for the retail Christmas windfall. In contrast, with cash advance’s quicker processing, you can open your store on time, and even if it cuts a certain portion of your profits, you can pay these off with the earnings you expect.

A business cash advance program is tailored to meet different entrepreneurial needs. For instance, if you need cash to pay off emergency bills, you can use a working capital loan. For women who feel frustrated that creditors don’t take them seriously because of their sex, they can use small business loans tailored for women. There are also loans available to those with poor credit scores.

Because different industries have different financing requirements, loans are likewise designed according to industry. For instance, if you want to expand your food chain business now, you can use restaurant loans. There are also physician loans, salon loans, dental practice financing, gas station financing, and others.

A merchant cash advance can be beneficial to your business in the long run. Because this arrangement helps you immediately take advantage of looming business opportunities, with skill and luck, you can almost count on your long-term profits to make up for your short-term costs. For more information, read

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