With business growth on the rise, small businesses might find it difficult to stay competitive in this growing market. It is reported that only 44 percent of all new businesses will survive through their fourth year. With costs rising, some find it hard to keep up with the larger firms. Cash flow has become the most critical component in the survival of any small business. Access to the cash they need is becoming more difficult for these struggling business owners. SBA and commercial lines of credit are becoming more and more difficult to obtain due to tighter credit policies and collateral requirements.

Why is this important? Small businesses employ over half of all private sector employees. They also make up 60% to 80% of all new jobs within the year. Employment rates are dramatically affected if we cannot sustain the growth and livelihood of these small businesses.

Financial institutions are rallying to give aid. They have developed a financing program that can boost the cash flow of these small businesses we rely on. With an unsecured small business loan, or otherwise know as “bad credit business loan”, those who would not qualify for a loan can get the financial assistance they need.

This method is called merchant cash advance. Money is advanced to the small business based good faith and future credit card sales. The lender will review the historical merchant summaries and approve an advance of 1.0 to 2.0 times the monthly credit card sales. They can usually loan up to $250,000. Unlike bank loans, there are no monthly payments. A percentage from all future credit card sales will go towards the balance of the cash advance. This percentage pull will pursue until the loan is paid in full. With this cash advance, businesses won’t find themselves strapped for loan payments during those slow sales times.

Merchant cash advance is a perfect method for those who worry about monthly cash flow problems because there are no monthly loan payments, no up front fee, and no closing costs. Also, this cash advance won’t show up on as a debit loan or credit card that could hinder future loans and no collateral is needed.

Unlike other programs financial institutions offer, the merchant cash advance is fairly easy to obtain. MerchantFirst Capital Solutions is one such financial institution that offers this cash advance. They guarantee the lowest rates and 48 hour approval. It is as easy as visiting their website at www.merchantfirstcapitalsolutions.com and submitting a name and business situation. Their site is easy to navigate and will provide all information needed, even for those who may be hesitant from previous rejections. A loan expert is available to discuss all business options. With knowledge and experience, they will only select the financing option that makes sense to the borrower.

MerchantFirst Capital Solutions is one financial institution that is in the business of boosting small businesses. They are willing to invest in good faith to keep small businesses growing with unsecured working capital. The days of business loan long waits, high fees, and little chances of approval are now over...