Of course, this industry is développent to the point where I can only ask to see whether there are funders doing those things:

Do you have a funder who allows a non-owner to co-sign an advance for another merchant? In other words, the merchants business is doing great, but the credit sucks!

In that case, here comes the co-signer, w/ scores above 800! Hence, the terms of the advance can be much more appealing. I'm thinking the only way that could make sense is if such a co-signer were actually signing as a guarantor, thus putting his/her personal assets at risk in the event of unresolved default.

Now, given the nature of a merchant cash advance, it's not a personal loan. So is it possible to have a non-business owner guaranteed the loan?

If you know of a company that has such option (and for a business less than 6 months in, at that! ), or if you have a much more effective solution for a situation like this one, please PM me or email: solidmerchantsolutions@yahoo.com