--- title: Do Your Merchants Need A Cash Advance? Have You Asked Them? description: It's a frustrating time for small business owners as they face greater difficulty getting a loan after multiple bank failures led to a further tightening image: https://www.quikstonecapital.com/hubfs/Pretty%20young%20woman%20making%20a%20decision%20with%20arrows%20and%20question%20mark%20above%20her%20head.jpeg --- [![Merchant Cash Advance](https://www.quikstonecapital.com/hs-fs/hubfs/_Website/Logos/Web-Combo-11.png?width=200&name=Web-Combo-11.png "Merchant Cash Advance")](https://www.quikstonecapital.com/) [![Merchant Cash Advances](https://www.quikstonecapital.com/hs-fs/hubfs/_Website/Logos/Web-Color2.png?width=738&name=Web-Color2.png "Merchant Cash Advances")](https://www.quikstonecapital.com/) # Merchant Cash Advance Blog # Do Your Merchants Need A Cash Advance? Have You Asked Them? Posted by [Karen Erdelac](https://www.quikstonecapital.com/merchant-cash-advance-blog/author/karen-erdelac) on Jul 5, 2024 - [Tweet](https://twitter.com/share) ![Do Your Merchants Need A Cash Advance? Have You Asked Them?](https://www.quikstonecapital.com/hs-fs/hubfs/Pretty%20young%20woman%20making%20a%20decision%20with%20arrows%20and%20question%20mark%20above%20her%20head.jpeg?width=737&height=476&name=Pretty%20young%20woman%20making%20a%20decision%20with%20arrows%20and%20question%20mark%20above%20her%20head.jpeg)It's a frustrating time for small business owners as they face greater difficulty getting a loan after multiple bank failures led to a further tightening of credit conditions. Today, economic uncertainty, high interest rates, loan rejections, and lengthy approval processes are the norm, effectively slowing small business growth. According to a [survey](https://www.nfib.com/content/press-release/economy/small-business-optimism-declines-slightly-in-march/) from the National Federation of Independent Business (NFIB), 77% of small businesses say they are concerned about their ability to access capital compared to a year ago when 77% said they were confident. The same merchants said they expect more challenging credit conditions to continue, matching the highest level in a decade. One merchant responding to the NFIB study said she had been waiting seven months for approval on a loan, even though she's had a long-standing relationship with the bank. Another said banks and the SBA are requiring more data than ever before. One in five owners expects to invest in equipment in the next three to six months, the smallest share in two years. Small businesses have scaled back hiring plans and compensation as well. ##### Be A Trusted Business Advisor Do you know a small business owner struggling to buy new equipment, including a POS system or software? Do they want to expand or remodel, create an advertising campaign to bring in new customers, stabilize cash flow, or pay their operating costs? A merchant cash advance is a fast and easy alternative to a bank loan. Since 2005, Quikstone Capital Solutions has helped merchants with working capital for all their business needs. If your merchant accepts credit cards, has been in business for at least six months, and processes $10,000 or more in monthly credit card transactions, they could qualify for up to $250,000. There's a simple application, and no collateral is needed. The MCA process is the exact opposite of the complicated bank loan process. Instead of waiting months, your merchants could have the funds they need in 2-5 days. If you'd like to learn more about how a cash advance from **[Quikstone Capital](https://www.quikstonecapital.com)** can help your merchants and your business, **[contact us today](https://www.quikstonecapital.com/steve)**. 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