Too often, small businesses hold on to their money for as long as possible to avoid cash shortages. By doing so, they fail to take advantage of supplier discounts.

For business owners facing a problem paying payroll taxes, a merchant cash advance can provide a quick source of funds. A merchant cash advance is an advance on future credit card receipts, unlike a bank loan, a merchant cash advance is easy to qualify for.

Loan decline rates for small businesses continue at close to the ninety percent level. Small businesses have been challenged by the slow economy. Business owners have continued to invest personal funds into their businesses, getting home equity lines, refinancing mortgages, selling unproductive assets, and tapping into credit cards.

Flowers make special occasions sparkle; what’s a wedding without flowers? It’s those special occasions that keep a florist profitable. In between the special occasions though, business is slow, and many florists have trouble paying their bills.

Many would-be entrepreneurs dream of owning their own restaurant. They imagine walking around a full room on a Friday or Saturday night, chatting with customers and giving out complimentary drinks. They dream of having a full reservation book and a register full of cash. Too many of these dreamers start a restaurant and fail within their first year, because they are better at dreaming than planning. Restaurants lead the list of small business failures.