1. The application process is easy. For starters, applying for a merchant cash advance is quick and easy. More often than not, you can fill out an application online, providing specific information and documentation pertaining to your business, such as your Business ID and recent credit card processing statements. This shouldn’t take long to complete, and most providers will respond within 48 hours. Such a simple process lets you stay focused on your business, rather than being swamped with hour-long applications that don’t lead to any replies, while still having the opportunity to receive funds. 2. It gives you access to capital, quickly. If your application is approved, you could receive the capital from your provider in just one week. Obtaining these funds in such a short amount of time enables you to start putting money back into your business and improve cash flow. For example, some merchants choose to invest in new advertising campaigns in order to reach more consumers, while others use the cash to purchase updated equipment to improve internal efficiencies. Those are just two possible ways to utilize your newly acquired funds. You could also give your workspace a much-needed facelift. Or maybe paying off outstanding debt is what you’re focused on–and words cannot describe how good it feels to become debt-free. 3. Your credit won’t be affected. Securing a merchant cash advance won’t negatively affect your business’ credit. This is because you’re not taking out a loan, but instead, simply selling future credit card sales for capital. As a result, you won’t have to worry about making monthly payments. Plus, many providers don’t require you to have an exceptional credit score to qualify, so you won’t need to spend time trying to improve your credit before applying. In fact, the newfound funds from a merchant cash advance can improve your credit if you use it to pay off debt. 4. You won’t be as stressed. Although owning a business is extremely rewarding, it comes with great responsibilities, too. This can be stressful, especially if you’re tight on cash. Merchant cash advances help alleviate some of these pressures, thus lowering your stress levels. Eliminating financial stresses will enable you to enjoy your job again, and remember why you love being a business owner.