When a bank makes a small business loan, it is regulated by state and federal government regulators. There are specific regulations they must follow. Should they not follow those guidelines, they risk heavy fines, reduction of credit ratings and possible receivership (That's bankruptcy for a bank!).

Rather than lend you small business money like a bank, small business capital investment companies will purchase your future credit card sales at a discount. A monthly percentage of future sales are then used to determine repayment. There is no bank loan repayment schedule, monthly invoice statement, penalties or late fees. Repayment occurs automatically according to you business revenues.  Flexibility is built into the program.  The investment companies don't get paid unless you do!