How to Obtain a Business Cash Advance 1. Research several providers to find the best one for your business. Some business cash advance providers are small, independent companies who specialize in cash advances, while others are larger vendors who offer cash advances in addition to merchant account services. Some banks have also begun offering business cash advances as one of their services. Look for a provider that offers excellent customer service—one who is willing to take time to discuss your business needs, and work with you to establish a comfortable repayment plan. Research the history of several providers to find out how long they have been in the business, and what companies they have worked with. You will want a provider with a strong background and experience in helping businesses with their financial needs. Feel free to ask for quotes from several providers. A quality provider will allow you to take the time you need to make your decision, and will not pressure you to sign an agreement before you're ready. 2. Set up a consultation. Once you've found a provider you like, the next step is a phone consultation to discuss your needs and give the provider basic information about your business. This will be followed by a meeting in person to review your credit card transaction history, and your business financial statements, including any current outstanding debts. After you submit your application, the provider will run a credit check, and will usually be able to let you know within a few hours whether your application has been approved. 3. Review and sign your contract. Go over the details of your contract carefully to make sure it is aligned with the terms you discussed with the provider. Check for any fees and ask your provider for an explanation of any points that need clarification. Once you have switched merchant account vendors, and the cash advance provider has performed some tests to make sure everything is in working order, your cash advance will be wired to your bank account.