Opportunities to purchase a competitor, or their book of business, are sometimes rare for small business owners. Banks are not doing small business lending, and a line of credit is virtually unobtainable for this type of opportunity. Taking on a partner sounds cheap short-term, but is almost ALWAYS VERY EXPENSIVE in the long run. Plus, these types of opportunities sometimes require a quick trigger. In these cases, as cash advance (not merchant cash advance) or working capital loan is the fastest way to obtain the capital needed, and are both Simple and Quick.