Some banks do not focus on financial services for small businesses. A popular service we offer for small businesses is cash advance financing. Your MLS Direct Network of Alabama cash advance payments come from a percentage of your Visa, MasterCard and American Express sales. Therefore, you will not have a fixed payment schedule. If business slows down, then the advance is paid back over a longer period. If business picks up, it is paid back quicker. Monies from the cash advance are not a loan but are instead an advance of the card sales. The payment portion of the sales is handled automatically through the merchant account. Because this is not a loan, good credit scores are not mandatory and activity within this product does not show up on your personal credit report. You may pay off the balance early, which many do after card payments have reduced it to a low amount. This is a great option for small businesses that need capital but don’t want to give up any of the company ownership or share the decision-making authority.