There’s been a lot of discussion over the past decade about merchant cash advances, and whether or not they are better than a bank loan. Small business owners who use the advance as a financial tool say that they do so for the following five reasons:

Cash flow in the HVAC business is like a roller coaster. Business is driven by the weather, and who can predict the weather? When the weather doesn’t cooperate and cash gets tight, HVAC business owners can benefit from a quick business loan.

In any small business, solid cash flow means the difference between survival and failure. For specialty retailers, a merchant cash advance can smooth out the peaks and valleys in seasonal sales revenue.