Remember when the talking heads were trying so earnestly to convince Americans that the big money bailout was necessary was that the bailout money would increase the credit available to businesses. After all, businesses need credit to survive and to grow. The common example given of why businesses need credit was to make payroll, but it can also be to buy new equipment. That logic of needing to borrow to make payroll really bothered me. If a business routinely needs to borrow money to make payroll, then in my opinion it is not a viable business.

However, having been in business for a long time, I recognize that all businesses have ups and downs throughout their life cycle, and it can be really tough to make ends meet when you have even a small series of setbacks. That is why I think most businesses need to have at least one good source for raising emergency cash, and that second only to paying taxes, a business needs to make sure that it’s employees get paid. That is why arranging for a Merchant Cash Advance makes a lot of sense. You go online to make the arrangements – it is fast and easy. Sometimes a customer goes bankrupt or has a big problem where they cannot pay the bill owed to your company. If you were planning to use that money to pay your own bills, it can be the domino effect of your business not paying its own bills, and then your suppliers or vendors cannot pay their own bills, and so on. But a responsible business owner will at least make sure that the employees are paid.