Small Businesses, Big Squeeze:
Numerous surveys, and anecdotal evidence, have clearly identified the greatest challenge facing small businesses globally. Simply put, this is access to working capital and cash flow when opportunities and
needs arise. The reasons for this state of affairs are well known: as a result of the persistent global credit crunch,banks and other traditional lenders have become increasingly hesitant to lend to SMEs and entrepreneurs in general. In addition to this aversion, small businesses face complex and time-consuming application processes, onerous terms and conditions, as well as the burden of costs often associated with traditional bank loans. Bearing in mind that small growing businesses frequently need working capital and cash flow infusions at short notice, small business owners often feel that there are insurmountable barriers to maintaining business, let alone growth. An added concern is that even should their loan application be successful, owners may have to cede equity to lenders.

The Cash Advance Solution:
Releasing the Shackles Fortunately, over a decade and a half ago, a new breed
of lender in the US devised an innovative solution to this brake on small business growth: the business cash advance. This product was specifically designed to boost business liquidity with few of the hurdles to entry. The model soon spread to the UK, Australia and New Zealand, and has since been brought to the South African market.

The Capital Partner:
A Timely Partner for Small Businesses, One such cash advance innovator is The Capital Partner(TCP).In just a few short years, this independent and agile South African enterprise has grown by effectively adding value to an already vital and invaluable product offering. TCP sees itself as a partner of small businesses, offering timely advances on cash flow or working capital, without taking equity from owners. By providing a cash injection when it's needed most, their
customers are freed.