One good alternative is a business cash advance. It’s cash given up front to businesses when they need it, and is based upon the cash flow from monthly credit card sales charges. They don’t have to make monthly payments like with small business loans; instead small debits are automatically taken from batched credit card sales which makes repaying the money much easier.

Businesses who can’t secure these loans are successfully using these advances to secure themselves and even businesses who ‘can’ secure these loans are increasingly turning to this route to save hassle and to utilize the flexible payback option.