Over the last 10-15 years, merchant cash advances have grown and changed in ways that make them an even better option for businesses. What has changed to make these easy-to-use funding vehicles more advantageous for businesses that need an infusion of cash?
For one thing, merchant cash advances can be even easier to get than they were years ago. Access to information is faster and easier, so that a decision can be made in hours or days instead of weeks. Rates have also started to come down on many advances, and payback has become even more flexible. The number of businesses using cash advances has skyrocketed in the last 5 to 10 years, but why?
Merchant cash advances can sometimes garner a bad reputation. The reality of it is, a merchant cash advance offers 
Many businesses hit a snag in their plans to expand or grow when the bank turns them down for a loan. Perhaps they are denied a loan because they lack credit history, have poor credit history, or maybe they don't have the collateral the bank wants. Lending requirements tightened considerably after the economic collapse of 2008, which was partly due to loose lending requirements.
Merchant cash advances are useful for businesses that need cash for marketing, to expand, or to accomplish other business growth goals. There are many different business models and types of businesses in today's marketplace that can benefit from merchant cash advances, including unusual ones that don't typically come to mind.
Merchant cash advances (MCAs) are not loans, but the cash they provide to businesses allows owners to invest in those businesses in necessary and valuable ways so that they can grow. MCAs can help businesses that don't qualify for bank loans because they use different criteria. Instead of relying mainly on credit rating and availability of collateral, MCA providers like Quikstone Capital Solutions look at the longevity of the business and the amount of sales over time.
