Small Business Cash Advance

In today’s fast-paced market, small businesses often struggle with unpredictable cash flow. This can disrupt operations or delay growth. A small business cash advance offers a fast, flexible funding solution designed to close cash flow gaps without the hurdles of traditional loans.

What Is a Small Business Cash Advance?

A small business cash advance provides a lump sum payment to a business in exchange for a percentage of future sales. Repayments are made through daily or weekly deductions from credit card transactions or receivables. Unlike conventional loans, there’s no fixed interest rate or rigid monthly payment—repayment adjusts with your revenue.

How It Works

1. Apply and get approved: Approval is often based on sales volume rather than credit score, and decisions can be made in 24–48 hours.
2. Receive funding: A lump sum is issued upfront for use on business expenses.
3. Repay automatically: A set percentage of your daily sales is deducted until the full amount, including fees, is repaid.

Benefits of a Small Business Cash Advance

• Fast access to funds: Quick approval and disbursement, often within a couple of days.
• Flexible repayment: Payments scale with your revenue—more when business is strong, less during slow periods.
• No collateral needed: Most cash advances are unsecured, reducing personal or business risk.
• Lenient qualification: Businesses with poor credit or limited history may still qualify based on sales performance.

When Should You Consider a Cash Advance?

• You have strong and consistent sales revenue.
• You need funds quickly to cover payroll, inventory, or repairs.
• You’ve exhausted lower-cost funding options.
• You understand the full cost and have a solid plan for repayment.

Common Use Cases

• Emergency cash needs: Sudden expenses or revenue delays.
• Growth opportunities: Funding new equipment, marketing, or expansion.
• Delayed receivables: Managing cash flow when payments are slow.
• Seasonal gaps: Covering expenses before revenue arrives.

The Bottom Line

Small business cash advances provide quick, convenient funding—but usually at a higher cost than traditional loans. They are best suited for businesses with stable sales and a clear repayment strategy. When used strategically, they can help manage cash flow, cover urgent needs, and fuel short-term growth.

What’s Next?

If you need fast, flexible financing and can’t wait for a traditional loan, a merchant loan could be your answer. Contact Swish Funding today to explore cash advance options tailored to your needs. We’re here to help you move forward—quickly and confidently.