Equipment financing is easier than you think. At least a year of business experience and $50,000 in annual revenue are generally required. Loans are available without putting up a significant amount of money as collateral. A merchant cash advance decision takes as little as 24 hours in some cases, but it may take longer in others. These loans can be helpful for people who need cash now for operating expenses or even payroll but can’t wait weeks for a response from their lender.