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Joel Ohman is the CEO of a private equity-backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He also has an MBA from the University of South Florida. ...

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Reviewed by Joel Ohman
Founder, CFP®

UPDATED: Nov 2, 2012

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Business cash advance loans are for companies that need relatively small amounts of money very quickly. Usually ranging in amounts from a few thousand dollars to five and six-digit figures, these commercial cash advances allow businesses to get funding for crucial expenditures that can’t wait.

[loansform]These quick and short-term business loans allow company owners to get the money they need quickly.

Some common uses of this product include:

  • Paying off debt and taxes
  • Purchasing necessary equipment
  • Funding business repairs
  • Expanding operations
  • Compensating employees

One particularly nice feature of business cash advances is that they are far easier to qualify for than traditional business loans. The applications tend to be much shorter, the approval process is often much quicker, and the requirements are much less stringent.

Additionally, to get approval, lenders will not ask business owners for personal guarantees. That means personal real estate, such as homes and business spaces, are completely safe. Traditional business loans, on the other hand, usually require such guarantees, often resulting in applicants putting their properties on the line.

For more information about these financing tools, refer to our frequently asked questions, articles, and news stories.