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3 Reasons A Merchant Cash Advance Is The Better Choice For Working Capital

By Rodney Rabah

Unavoidably in the life of any corporation, there are times when a sudden need for additional financing is needed. This working capital can come from a variety of places, but they are positively not all equal. Learning the differences between these sources lets you, the CEO, the ability to make wisest choice to meet your financial requirements.

Friends and Family

Many business gurus suggest that the best place to get cash when you need it in a hurry is to talk to friends and family. Unless, you are willing to run the probability of alienating these people, don’t! In every corporation there is the possibility that some things won’t go well and you won’t be able to pay back the advance as originally thought.

Perhaps worse is the perception people have that being they have loaned you the capital, they have a right to “make suggestions” as to how to manage your corporation. Keep your business life as separate from your private life as you can.

Conventional Bank Loans

Although a typical bank loan provides a low cost for cash, there are many drawbacks in obtaining money this way. The tribulations occur from the stern requirements, elongated processing time, and preventative oversight that comes with your loan. If you have outstanding credit, know precisely what you will utilize the financing towards, and require no flexibility in your payback terms, a normal bank loan can actually work out just fine for you.

If, on the other hand, you are a fairly new business, have no collateral, and need money fast for a nonspecific reason, you can give up on a bank loan – they won’t offer you a loan worth receiving.

Business Cash Advance

Before you gloom, there are alternative choices for locating the working capital you need. It is the tight guidelines of conventional banking that has given rise to new financing alternatives. Namely a merchant cash advance. When obtaining a merchant cash advance there are several things to consider. Your merchant cash advance specialist is in the right position to tend to any concerns you may have and can provide you with a sensible advance with manageable terms.

Any new company who takes credit cards as a payment method can turn those sales into cash in hand today. One of the several advantages is that once your advance is reduced by 70% you can request additional funds. If your last several months can depict a consistent flow of credit card sales, you may sell, at a discount, future credit card sales in exchange for needed cash now.

Best of all there are no personal entanglements, no elongated lists of forms to fill out, and you have the independence to do what you need with the funds once you have it in your bank.

For many years, Rodney Rabah has served as a reputable source of information regarding Merchant Cash Advances. For dependable answers and advice on Business Cash Advances visit him at Nations Advance.

categories: Merchant Cash Advances,Business Cash Advances,Business Advance,Merchant Account Loan,Restaurant Capital,Unsecured Working Capital,Merchant Loan,Restaurant Loans,Restaurant Finance,Entrepreneur,Merchant Services,Credit Card Services

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Article Citation
MLA Style Citation:
Rabah, Rodney "3 Reasons A Merchant Cash Advance Is The Better Choice For Working Capital." 3 Reasons A Merchant Cash Advance Is The Better Choice For Working Capital. 26 Aug. 2010. 4 Nov 2014 <>.

APA Style Citation:
Rabah, R (2010, August 26). 3 Reasons A Merchant Cash Advance Is The Better Choice For Working Capital. Retrieved November 4, 2014, from

Chicago Style Citation:
Rabah, Rodney "3 Reasons A Merchant Cash Advance Is The Better Choice For Working Capital"

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