The main reason why a business-cash-advance provider won’t obligate you to have a good credit score or make you offer collateral is because this provider just don’t need to. Why? It’s due to the fact that your business’s previous credit-card sales report is the major requirement, and if you can pass this requirement or your business was indeed doing well in terms of selling various products through credit-card transactions, then you can be sure to get your Working capital business loan.