A merchant cash advance, also known as a business cash advance or PDQ machine loan, is a short term unsecured cash injection that is loaned against your business' credit and debit card sales. Unlike a traditional unsecured business loans, there are no fixed monthly payments to worry about, as a percentage of the money is repaid automatically every time you process a payment on your card machine. It also means your repayment schedule reflects the flow of your trading performance. The more card payments you process, the quicker your loan is paid off.