BizSugar.com › Finance › Receivables-Based Credit: An Alternative Financing Option

Of course, every type of financing has its price -- in this case, an interest rate of 30% is about average, Barzel said. (For comparison purposes, one-fifth of the small-business owners who participated in the NSBA survey reported paying an interest rate in excess of 20% on their primary credit cards.) And not every small business that walks through FastUpFront's virtual doors qualifies either. Home-based businesses, viewed as less viable as those that have a "real" business location, will be turned down, and so will companies in operation less than three months and/or with less than $5K in credit-card processing.

"You don't need a long business history, but you have to prove a recent history," Barzel said.

Is this an option you'd consider?