The times of fast credit are going, going, going Gone! Also, small business loans may just as well have gone the path of the Tooth Fairy. Perhaps, some 1000′s of years back there was a little basis in truth for such a generous, although slightly creepy benefactor as a Tooth Fairy.

The reality of today, still, is that cash has to come from somewhere, which most often happens to be from Mom’s or Dad’s pocket. Even with entities such as the Small Business Administration (SBA) looking at loan applications, lending institutions often do not have the financial strength, or the willingness, to participate in the SBA and other similar programs.

This leaves entrepreneurs with less selections for sources of financing for growing the business, or for short-term cash-flow issues. However, even if any assets owned by you or your business already has liens on it, there is a method with which you can obtain the money you desire without the necessity for collateral, or the necessity to utilize any more credit, even if you can get it.

If you generate a sufficient stream of credit card sales, you can actually sell a piece of your future receipts in order to obtain a lump sum of financing now. It is called a business cash advance, and since it is not a loan, but an advance on money that your business brings in every day, you do not need to go with hat in hand to a conventional lender.

Once a merchant cash advance provider agrees to buy, at a discount, a percentage of your future receipts, you can obtain your funding within a couple of working days. Then, during the normal course of working your business you pay back the advance, in addition to a predetermined fee, without having to be bound to a set monthly pay back schedule.

Business cash advances are not exactly like small business loans, but they are not like that unsavory old Tooth Fairy either, and way more realistic.

Since early 2008 Daniel Samoohi has helped thousands of business owners in finding trustworthy providers in order to compare offers for a business cash advance. By making providers compete with each other, Daniel also aids businesses find great deals for small business loans.