What is a merchant cash advance?
Learn what a merchant cash advance is and what fees and terms to expect.
6 min read
Aug 26, 2025
Olivia Chen
Former Senior Writer, SMB Loans
EXPERTISE
- Small-business
- Small-business loans
- Finance
EDUCATION
- B.A. in anthropology, University of Notre Dame
- ABA certified in Business and Commercial Lending
Olivia joined Bankrate with eight years of experience in small business — both in small-business lending and covering small-business loans. She has a strong background in translating complex financial information into clear and engaging narratives.
Olivia is certified in business and commercial lending through the American Banker’s Association. Her writing has appeared in The Associated Press and NASDAQ among other publications.
Olivia beyond Bankrate
Olivia's latest articles
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How to get a business loan with bad credit
You can get a business loan with bad credit. Learn how to boost your approval odds.
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Where to get a bad credit business loan
A business loan is possible even if you have bad credit. Here’s where to look.
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Pros and cons of short-term business loans
Despite the costs, short-term business loans have certain advantages.
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Pros and cons of bad credit business loans
Bad credit business loans are attractive, but they aren’t without disadvantages.
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How to get a business loan
Prepare for your business loan by comparing what you need with how much you can afford.
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Pros and cons of working capital loans
Despite access to fast funding, there are drawbacks to working capital loans.
4 min read Jul 07, 2025