Small businesses are a very important part of the U.S. economy, but when considering the costs of equipment, inventory, advertising, and maintenance, it may be difficult to keep a small business afloat, let alone expand it. In addition to these expenses, according to the U.S. Small Business Administration, the average employer with 20 employees or less pays about $7,647 per employee, each year, to comply with regulations, while large businesses only pay about $5,282. That adds up to an average maximum of over $150,000 per year for small a business.

Many small business owners seek out small business loans in order to finance these inevitable expenses. About 13.5 million small business loans, totaling $329 billion, were reported as being originated or purchased in 2007. These numbers may sound big, but to the disadvantage of small business owners, lending to small firms reached its highest point in 1999, when 60 percent of small business owners who applied for small business loans were approved. The Small Business Administrations states, "The longer-term decline in the percentage of small business loans to smaller firms is primarily a consequence of a substantial increase in lending to larger firms."

So what is a small business owner to do? As a small business owner, expanding your business may seem like an impossible task. But the truth is many of the successful businesses of today started out as small businesses.

Steve Jobs, Steve Wozniak and Ronald Wayne founded Apple in 1976 selling Apple I personal computer kits that were hand-made by Wozaniak in his parents' living room. Now, according to surveys by J. D. Power, "Apple has the highest brand and re-purchase loyalty of any computer manufacturer."

Successful, west-side fast-food chain In-N-Out, was first opened in 1948 by Harry Snyder and his wife Esther Snyder. Now, the still privately owned chain has 140 locations in California, Nevada and Arizona.

That being said, there is hope for small business owners with big dreams. But the truth is small business loans may not be the best route to take, especially for business owners with less-than-perfect credit, during a time when banks are tightening their lending practices.

A small business cash advance is a terrific alternative to a small business loan. With a small business cash advance, you have the opportunity to receive up to $500,000. This is quite advantageous as 96 percent of small business loans that were originated in 2007 were for sums less than $100,000.

When applying for a small business cash advance, you can eliminate most of the steps that it takes to apply for a small business loan. The entire process of receiving a small business cash advance can take less than ten days, and if your business processes at least $2,500 in monthly credit card sales, you are already one step closer to your small business cash advance approval.

The amount of your cash advance also depends on your monthly credit card sales. Therefore, the greater the amount of your monthly credit card sales, the greater the amount of your small business cash advance, and the faster you are on your way to the big business of your dreams.

Don't let a small business loan denial discourage you. Contact us and find out how we can help you receive your small business cash advance as soon as possible.