employloan.com/business_loans.html">50-80% lower than a merchant cash advance

While it may be harder for retail owners to get a loan for business, there are cost-effective options out there for businesses that need working capital but cannot meet the restrictive lending requirements of the Small Business Administration or their local bank. The important point to remember is that not all options are the same, and some may affect the long term health of the business in unanticipated ways.