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springleaffinancial In today's economy securing business financing can be a challenge. Understanding how merchant cash advances work and how they help operations would benefit business owners like you and I.
If you are feeling the pinch; even as the economy begins to slowly work its way towards a recovery, know that you are not alone.

Many businesses are finding themselves short on cash, as their expenses seem more and more daunting. You too may be looking for financing solutions to help your business remain afloat and stay competitive in a tough economy.
That's where merchant cash advances (or MCA, for short) come in. If you're like most, you may be unsure of exactly what these are. If you've heard the term before you may just want more information. Either way, you've come to the right place.
Read on to find out what merchant cash advances are and what benefits they can offer to your business.
Essentially, a merchant account cash advance is a transaction where the Cash Advance Provider purchases (gives you cash now) your future credit card sales (for money you'll receive later).
The cash advance is then paid back out of your future business' credit card sales as they come along. That means there is no fixed monthly payment to worry about.
Since payments are made to the provider as a percentage of your credit card sales, the time that it takes to repay the advance is entirely dependent on how fast you have more credit card sales.
Here's an example. Say you do about $50,000 per month in credit card sales. They may advance you up to $150,000 right now. You'll continue to make $50,000 in sales, but they will only take out a small percentage of the payment back with every transaction. In essence, you'll get cash now without dramatically affecting the income of your business.
This kind of flexibility is making merchant account cash advances an increasingly attractive financing option to small and medium sized businesses in virtually every industry.
Other than the obvious benefit of receiving cash from a MCA provider, there are other advantages to using this option when your business is a bit short on cash.
For example, you can receive funding very quickly. Some providers even allow businesses to apply for an advance online, saving you the time and trouble of making a trip to a local branch office.
In most cases, the advance can be approved and funding disbursed in as little as a week! No wonder so many business owners are choosing this option.
Another benefit of using merchant account cash advances is that it's so much easier to qualify than for a bank loan or other traditional financing.
"It sounds Great!" You might think to yourself, "But how do I qualify for a merchant cash advance?"
Generally speaking, as long as...  

• You have owned your business for at least 3 - 12 months (this may vary from one provider to another)
• You're not currently in bankruptcy and
• Your company accepts credit card payments,

Then you can qualify to receive a cash advance.
Credit checks are usually not required. So, if business owners have credit challenges they can still receive competitive financing terms through merchant cash advances.
Let's discuss one more benefit - Convenience. Most providers will disburse advances with direct deposit, meaning that you receive funding as quickly as possible.
There's no need to travel to an office to pick up a check or to wait for it to arrive in the mail. The advance is deposited right into your business bank account and is available for use as soon as it's disbursed by the MCA provider.
It even becomes like a business line of credit because the MCA provider will buy more credit card receivables as often as you need the money.
So if your business is in a tight spot, a merchant cash advance may be the answer for you. It's quick and easy to apply - and you can receive funding much more quickly than you could from any other source.
For business owners looking for ways to keep ahead of their rivals in a competitive business environment, this is one option that is definitely well worth looking into.