While sitting in the stylist's chair at the hair salon, Beatriz couldn't help but overhear a group of women talking about their weight, and how they wished they could get into shape.

Later that afternoon, while running a few errands, Beatriz noticed that her neighborhood offered virtually every imaginable store and/or service, that is, except for a gym.

It was at that very moment that Beatriz decided to go into business for her self and open a gym that would offer exercise equipment, group classes, and dietary advice. She took all of the necessary steps to starting a business. She did everything by the books, from researching the area to writing and following up on a business plan.

A few months into her business, however, she found that she wasn't profiting as much as she'd hoped. She wanted to advertise more, begin selling workout clothes, health drinks and protein bars, hire personal trainers and build a childcare room for parents who had no one to watch their children while they exercised. But as we all know, it takes money to make money, and quite frankly, Beatriz did not have enough working capital to plunge back into her business and make it grow.

Beatriz's first thought was to apply for a small business loan. She headed to the local bank, dressed to impress with documents in hand, only to walk out of the bank feeling defeated at the sound of the simple word "No," never before knowing that two letters and one syllable could have so much power.

Sound familiar? If so, you may want to consider applying for a small business cash advance. It is much easier to qualify for a business cash advance than a bank loan. This is because business cash advance lenders specifically cater to business owners who are ineligible for traditional bank loans.

If your business accepts credit cards and you have papers documenting at least four months of your business' credit card sales history, you may be able to receive up to $300,000 in a business cash advance.

Not only do business cash advances have looser requirements, but the repayment process is much simpler. With a small business cash advance, you only pay money when you make money. This is because lenders purchase your future credit card sales, deducting a small percentage of each credit card sale until your cash advance is repaid.

A small business cash advance can give you the opportunity to put funds into your business which in return can produce even more funds for you and your business. So if you find yourself in a situation similar to Beatriz's, don't be discouraged by the bank's "No," simply apply for a small business cash advance.