Merchant Cash Advance vs. Traditional Small Business Loans Reviewed is a rapidly growing specialty online lending platform connecting small business owners with alternative funding resources. The BizCapRX online system is a free, no-obligation online tool for business owners throughout the USA.

New Brunswick, NJ – Although banks have significantly cut back on loans to small businesses, there are a number of other funding options available. However, the costs of some of the available funding options can be quite high so businesses owners need to be diligent when shopping for a working capital infusion. The popular online lending platform has a helpful overview of funding options at

There are traditional small business loans, non-collateralized loans and more including alternative lending vehicles such as crowdfunding, B2B and P2P lending programs, revenue based lending and the controversial merchant cash advance. But the option frequently used by business owners in recent years aside from traditional collateralized loans and no-collateral loans is the merchant cash advance. Various business funding options are discussed on the website, a fast growing online lending resource platform for small businesses.

The costs and risks incurred when using these varied funding resources vary greatly. A merchant cash advance gives businesses a cash infusion based on sales in exchange for a portion of future credit card sales. But the costs can be high and, as explained on, most merchants can often qualify for less expensive options, see here For businesses with poor credit the expensive merchant cash advance may be the only option but it pays to explore all the alternatives first. Online lending portals like can often connect these marginal borrowers with alternative lenders resulting in tremendous savings for business owners. The expensive merchant cash advance is not technically a loan and these type agreements are usually structured to collect a percentage of the businesses of monthly credit and debit card sales receipts either from an arrangement with the businesses credit card processor, or by a direct debit from the business’s bank account.

Before agreeing to any type of business financing, it’s important to begin by taking the time to fully understand the costs and risks associated with various alternative funding options. Online resources such as can be an excellent starting point. It’s critical to understand the funder’s processes for determining eligibility for cash advances or loans, their fee schedules, and all of the other possible fees. And it is important to remember that since a merchant cash advance option is technically not a loan, companies promoting these programs are not subject to the state and federal regulations that apply to banks. Accordingly, that loophole opens the door to potentially extremely high costs, which the business owner is too often not properly aware of.

BizCapRX now offers a high-paying business loan affiliate program, which is an affiliate program designed to accommodate referral partners as well as online marketers. More information can be found on the company website.

About is an automated online small business loan resource platform connecting small business owners with lenders. serves small business owners from all 50 states in over 750 industries and is based in New Brunswick, NJ.

Disclaimer/Disclosure provides an online small business finance referral-marketing platform affiliated with one or more specialty online alternative financing companies. These companies, and not, provide funding to businesses in the form of traditional small business loans, working capital loans, unsecured loans, revenue based loans, factoring as well as other alternative forms of financing as determined and offered by these 3rd party financing companies. is not a lender or funder and does not make credit decisions or funding decisions, does not interact with clients, and functions strictly as a marketing referral agent for 3rd party funding companies. 

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