All Business Loans will match you with a lender that will either advance you up to 200% of your average monthly credit card sales or provide you with an unsecured cash loan based on specific criteria. Both of these options are unsecured financing which means there is no collateral or personal guarantee from the merchant. The idea behind this is that the lender is taking the risk on you and your business. There are agreed upon fixed percentages on your future sales that go towards paying back your balance. With the credit card type of loan, also known as a merchant cash advance, these loans are paid back on a performance basis. As your business makes money, you pay the lender. Unsecured cash advance loans have a different type of repayment structure that will be clearly outlined by the lender.