Sure Payment Solutions is a full service company that helps small to mid sized businesses with their credit card processing and their small business funding needs. They offer unsecured business loans as well as merchant cash advance programs to help out those business owners that may not or can not qualify for a small business loan from their bank. This program works by making your future sales available to you today through factoring. It is similar to how invoice factoring works. Invoice factoring companies purchase invoices from you at a discount. You have already provided and sold the product or service, and the invoice factoring companies pay you for the right to collect this invoice 30 to 60 or 90 days later. Merchant cash advances work similarly but instead of purchasing existing sales from you, merchant cash advance providers purchase future receivables. They are really banking on you to be able to generate those receivables. So really, the only reasons that you could be declined for this kind of funding is if for some reason the business cash advance provider believes that you will not be able to generate these receivables. It is also not allowed to do certain things while you are on the program. These things include selling the business while you have a balance or diverting your receivables by processing sales through an additional or any other credit card processor. Of course, there are extenuating circumstances. You would be allowed to change processors if you gave the business cash advance provider a heads up before you did it, and you instructed your new processor to pay that same percentage of your sales.