Saturday, March 15, 2008

Working Capital Loan or Business Cash Advance – which one is better

Both of these methods are used for working capital financing but which one is better will be clear from following discussion

  • Qualification ease: Working capital business cash advance is difficult to obtain because for working capital funding financing bodies factor in the credit score of the borrower, available collateral and various other factors. However, most small businesses would easily qualify for a business cash advance as all you need is certain amount of credit card processing in month.
  • Processing Time: It’s a week or more for working capital loan to get approved as a lot of paper work is involved. While application for business cash advance is processed much faster (pre-approval in 24-72 hrs) and the paper work is also not much. In fact with companies like MerchantCashAdvance processing is done online.
  • Ease of Repayment: A business cash advance is never tied to a fixed repayment schedule. The repayment is done from credit card sales receipts and the businesses generally do not feel the pinch. Working capital loans on the other hand would have a fixed repayment schedule and the borrower would need to repay the amount according to the schedule. If the borrower fails to repay the working capital business cash advance, it might affect his credit score and he also stands the chance of losing his collateral.

53 comments:

Gene S. said...

i don't know which is better between a merchant cash advance and a working capital loan, but in the event you find yourself in a cash emergency, both of them could help you out of it

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Michael Walsh said...

Good information. Small businesses will find this information beneficial. Especially with the state of the economony.

Freddy MacAdams said...

Nice post. I'll keep it in mind because I plan on running a business soon. I've been thinking about it for a long time now, and I can use all the help and advice I can get. Anyway, lately I've been thinking about buying a business instead of starting one from scratch. Any suggestions? Advice? Thanks.

Karen Bowery said...

@Freddy -- I suggest checking out some other online resources. There's one called BizTrader.com, which is an online global marketplace where you can buy or sell a business, since you're interested in that. It also has other advice, and you can use it to find a lender, broker, accountant, etc.

You can also check out local small business groups. They can be very helpful, and it's always good to network.

Good luck!

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