--- title: What is a Merchant Cash Advance? | Quikstone Capital Solutions description: A merchant cash advance can be a solution to help grow a business with immediate access to capital. image: https://www.quikstonecapital.com/hs-fs/hub/311686/file-588696078.jpg --- [![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 # What is a Merchant Cash Advance? | Quikstone Capital Solutions Posted by [Karen Erdelac](https://www.quikstonecapital.com/merchant-cash-advance-blog/author/karen-erdelac) on Mar 20, 2014 - [Tweet](https://twitter.com/share) Having a quick way to** obtain capital** is a must for some **small business** owners. Options like traditional ![merchant-cash-advance](https://www.quikstonecapital.com/hs-fs/hub/311686/file-588696078.jpg?width=291&name=file-588696078.jpg "merchant-cash-advance")loans are not always available, leaving owners in a tough position. Yet, a **merchant cash advanc**e can be a solution to help grow a business with immediate access to capital. How does a **merchant cash advance work**? Follow along for some details on this option for business owners. ### **What is a Merchant Cash Advance?** A merchant cash advance is not a loan. Cash advances provide business owners with access to much-needed cash, and typically have a fast turn-around time since they eliminate complicated application and approval processes. Moreover, desirable funding partners offer unique repayment options such as repayment using a portion of future sales.  ### **What are the Common Uses of a Merchant Cash Advance?** Merchant cash advances are typically used for projects that owners know will drive immediate revenue. For example, a restaurant owner may use a merchant cash advance to purchase inventory before a holiday or busy time of the year; to renovate or expand their location; or they may use this type of funding to replace equipment that breaks unexpectedly.  ### **What are the Benefits of a Merchant Cash Advance** The dynamic nature of a cash advance is obvious in terms of the exchange, as the business receives immediate capital in exchange for a percentage of future credit card sales.  However, cash advances offer these additional benefits to merchants: •    They are quicker to obtain than a traditional loan. Cash advances are  approved in a matter of days whereas banks can take weeks or even months.  •    Cash advances are easier to obtain than traditional loads, and if you work with the right partner, they also eliminate invoices, writing and mailing checks, and other tedious paperwork. •    Businesses that haven’t had much luck with banks are  more successful with a merchant cash advance. Those who have been turned down for a loan or who have had credit problems can possibly obtain a merchant credit advance. •    If sales slow down, so does the amount paid to the funding partner since it is a percentage, not a fixed payment as with a traditional loan. It's easy to see how there are several degrees of flexibility with a merchant cash advance, which can appeal to many small business owners searching for a dynamic solution. **Does a merchant cash advance sound appropriate for your needs?**  You can contact [Quikstone Capital Solutions](mailto:karen.erdelac@sterlingfunding.com?subject=I%20am%20interested%20in%20Sterling%20Funding) for more information on the advance and to see if you qualify. Topics: [Funding Your Business](https://www.quikstonecapital.com/merchant-cash-advance-blog/topic/funding-your-business) #### Category/Topic - [Small Business (268)](https://www.quikstonecapital.com/merchant-cash-advance-blog/topic/small-business) - [Restaurant (255)](https://www.quikstonecapital.com/merchant-cash-advance-blog/topic/restaurant) - [Growing Your Business (191)](https://www.quikstonecapital.com/merchant-cash-advance-blog/topic/growing-your-business) - [Funding Your Business (147)](https://www.quikstonecapital.com/merchant-cash-advance-blog/topic/funding-your-business) - [Holiday (110)](https://www.quikstonecapital.com/merchant-cash-advance-blog/topic/holiday) - [Merchant Cash Advance (93)](https://www.quikstonecapital.com/merchant-cash-advance-blog/topic/merchant-cash-advance) - [Retail (70)](https://www.quikstonecapital.com/merchant-cash-advance-blog/topic/retail) - [Business Cash Advance (59)](https://www.quikstonecapital.com/merchant-cash-advance-blog/topic/business-cash-advance) - [Bakery (52)](https://www.quikstonecapital.com/merchant-cash-advance-blog/topic/bakery) - [Specialty Retail (52)](https://www.quikstonecapital.com/merchant-cash-advance-blog/topic/specialty-retail) - [Catering (49)](https://www.quikstonecapital.com/merchant-cash-advance-blog/topic/catering) - [Salon and Day Spa (46)](https://www.quikstonecapital.com/merchant-cash-advance-blog/topic/salon-and-day-spa) - [Auto shops (41)](https://www.quikstonecapital.com/merchant-cash-advance-blog/topic/auto-shops) - [Grow Your Business (33)](https://www.quikstonecapital.com/merchant-cash-advance-blog/topic/grow-your-business) - [Liquor Store (31)](https://www.quikstonecapital.com/merchant-cash-advance-blog/topic/liquor-store) - [Marketing (25)](https://www.quikstonecapital.com/merchant-cash-advance-blog/topic/marketing) - [Ecommerce (21)](https://www.quikstonecapital.com/merchant-cash-advance-blog/topic/ecommerce) - [About us (20)](https://www.quikstonecapital.com/merchant-cash-advance-blog/topic/about-us) - [Mobile (11)](https://www.quikstonecapital.com/merchant-cash-advance-blog/topic/mobile) - [Cash for Businesses (10)](https://www.quikstonecapital.com/merchant-cash-advance-blog/topic/cash-for-businesses) - [Dental Office (9)](https://www.quikstonecapital.com/merchant-cash-advance-blog/topic/dental-office) - [Coffee Shop (8)](https://www.quikstonecapital.com/merchant-cash-advance-blog/topic/coffee-shop) - [Veterinary (5)](https://www.quikstonecapital.com/merchant-cash-advance-blog/topic/veterinary) - [PCI compliance (3)](https://www.quikstonecapital.com/merchant-cash-advance-blog/topic/pci-compliance) - [Pool Service (2)](https://www.quikstonecapital.com/merchant-cash-advance-blog/topic/pool-service) [See More](https://www.quikstonecapital.com/merchant-cash-advance-blog/what-is-a-merchant-cash-advance-0#) [![Alternative Funding](https://no-cache.hubspot.com/cta/default/311686/b9359813-7020-4f5e-828a-adacff883647.png)](https://cta-redirect.hubspot.com/cta/redirect/311686/b9359813-7020-4f5e-828a-adacff883647) [![Merchant Cash Advance](https://www.quikstonecapital.com/hs-fs/hubfs/_Website/Logos/Web-Combo-2.png?width=738&name=Web-Combo-2.png "Merchant Cash Advance")](https://www.quikstonecapital.com/) Quikstone Capital provides business loan alternatives to get your business the cash it needs to grow and prosper. 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