Our Selection Process For
Best Merchant Cash Advance Loans

Last updated: August 1, 2018

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Best

Top 30 Merchant Cash Advance Companies

Best Merchant Cash Advance Loans - August 2018

Rank

Company Name

Year
Founded

Revenue

Fulltime
Employees

Active
Clients

Client
Retention
Rate

Pricing

Major Clients

Other Core
Services

Rates

Rates

Calculation Methods

Calculation Methods

Customer Support

Customer Support

Efficiency

Efficiency

Security

Security

Overall Score

0
100
 
G
VG
E
 

Change in Rank

Leaders
Credit Card Processing Specialists Credit Card Processing Specialists
Talk to a Representative: 877-554-5853
Key Facts For Credit Card Processing Specialists
  • Major Clients:
    Main Street Technologies, Advance Auto P..
  • Year Founded:
    2010
  • Fulltime Employees:
    30
  • Active Clients:
    1,000+
  • Revenue:
    $250,000 - $1 million
  • Client Retention Rate:
    98%
  • Pricing:
    M
  • Website:
    creditcardprocessingspecialists.com
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Reviews (0)
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Customer Support

Efficiency

Security

BankCard USA BankCard USA
Talk to a Representative: 800-735-4171
Key Facts For BankCard USA
  • Major Clients:
    Coastal Dermatology, Supertone Hearing, ..
  • Year Founded:
    1998
  • Fulltime Employees:
    332
  • Active Clients:
    20,000+
  • Revenue:
    $1 million - $3 million
  • Client Retention Rate:
    96%
  • Pricing:
    L
  • Website:
    www.bankcardusa.com
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Reviews (1)
Positive Review 1 Reviews
GREAT COMPANY
I have been looking for a medium to share an idea i have for your company. With this idea of mine your company would generate enough revenue and a massive number of sales. i hope your company and the board would be interested in this…
shola kelly tolufashe

Rates

Calculation Methods

Customer Support

Efficiency

Security

FlashAdvance FlashAdvance
Talk to a Representative: 888-959-4323
Key Facts For FlashAdvance
  • Major Clients:
    Confidential.
  • Year Founded:
    2007
  • Fulltime Employees:
    25+
  • Active Clients:
    1,000+
  • Revenue:
    $1 million - $3 million
  • Client Retention Rate:
    95%
  • Pricing:
    M
  • Website:
    www.flashadvance.com
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Security

1st Merchant Funding 1st Merchant Funding
Talk to a Representative: 866-710-2265
Key Facts For 1st Merchant Funding
  • Major Clients:
    McCoy Pizza, Tee Luck Lounge
  • Year Founded:
    2007
  • Fulltime Employees:
    23
  • Active Clients:
    90
  • Revenue:
    $1 million - $3 million
  • Client Retention Rate:
    92%
  • Pricing:
    H
  • Website:
    1stmerchantfunding.com
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Efficiency

Security

ICBA Bancard ICBA Bancard
Talk to a Representative: 888-640-1092
Key Facts For ICBA Bancard
  • Major Clients:
    TCM Bank , Vantiv , Fiserv , Bancard Uni..
  • Year Founded:
    1985
  • Fulltime Employees:
    32
  • Active Clients:
    54
  • Revenue:
    $1 million - $3 million
  • Client Retention Rate:
    90%
  • Pricing:
    L
  • Website:
    www.icbabancard.com
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Security

CardPayment Solutions CardPayment Solutions
Talk to a Representative: 888-571-0299
Key Facts For CardPayment Solutions
  • Major Clients:
    Available upon request.
  • Year Founded:
    2004
  • Fulltime Employees:
    24
  • Active Clients:
    59
  • Revenue:
    $1 million - $3 million
  • Client Retention Rate:
    90%
  • Pricing:
    L
  • Website:
    www.csiprocessing.com
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Security

Contenders
7
1993
$5 million - $10 million
253
1000+
92%
L
Georgetown Group, HDT, Wooden Ships, Inc, Infrastructure Insights, Inc., Wild Pets
96
99
98
100
96
97.8%
+1
Direct Capital Corporation Direct Capital Corporation
Talk to a Representative: 866-777-0117
Key Facts For Direct Capital Corporation
  • Major Clients:
    Georgetown Group, HDT, Wooden Ships, Inc..
  • Year Founded:
    1993
  • Fulltime Employees:
    253
  • Active Clients:
    1000+
  • Revenue:
    $5 million - $10 million
  • Client Retention Rate:
    92%
  • Pricing:
    L
  • Website:
    www.directcapital.com
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Customer Support

Efficiency

Security

8
2007
$250,000 - $1 million
25
78
92%
M
Café Med, GKB Framing, Wizard of Oz Catering, Desert Ovens Pizzeria, Dave & Jerry's Auto
96
98
97
100
97
97.6%
+1
Reliant Services Group Reliant Services Group
Talk to a Representative: 877-850-0998
Key Facts For Reliant Services Group
  • Major Clients:
    Café Med, GKB Framing, Wizard of Oz Cat..
  • Year Founded:
    2007
  • Fulltime Employees:
    25
  • Active Clients:
    78
  • Revenue:
    $250,000 - $1 million
  • Client Retention Rate:
    92%
  • Pricing:
    M
  • Website:
    www.callreliant.com
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Customer Support

Efficiency

Security

9
2007
$5 million - $10 million
75
350+
90%
L
drinknomsi.com, getthatwholesale.com, iHealthspot, Inc., Jazz at Jacks
97
98
97
99
95
97.2%
+1
On Deck On Deck
Talk to a Representative: 888-269-4246
Key Facts For On Deck
  • Major Clients:
    drinknomsi.com, getthatwholesale.com, iH..
  • Year Founded:
    2007
  • Fulltime Employees:
    75
  • Active Clients:
    350+
  • Revenue:
    $5 million - $10 million
  • Client Retention Rate:
    90%
  • Pricing:
    L
  • Website:
    www.ondeckcapital.com
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Security

Finical Inc. Finical Inc.
Talk to a Representative: 888-707-7258
Key Facts For Finical Inc.
  • Major Clients:
    Available upon request.
  • Year Founded:
    2012
  • Fulltime Employees:
    214
  • Active Clients:
    1000+
  • Revenue:
    Above $10 million
  • Client Retention Rate:
    94%
  • Pricing:
    L
  • Website:
    finicalinc.com
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Security

Merchantcash.com Merchantcash.com
Talk to a Representative: 813-673-8161
Service Offerings:
Key Facts For Merchantcash.com
  • Major Clients:
    Confidential.
  • Year Founded:
    1999
  • Fulltime Employees:
    12
  • Active Clients:
    24
  • Revenue:
    $250,000 - $1 million
  • Client Retention Rate:
    88%
  • Pricing:
    M
  • Website:
    merchantcash.com
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Security

Merchant Choice Card Services Merchant Choice Card Services
Talk to a Representative: 201-592-5927
Key Facts For Merchant Choice Card Services
  • Major Clients:
    IBAT, Planet, NC Bankers GHBA NACUBO, Fi..
  • Year Founded:
    1989
  • Fulltime Employees:
    41
  • Active Clients:
    300+
  • Revenue:
    $3 million - $5 million
  • Client Retention Rate:
    93%
  • Pricing:
    L
  • Website:
    www.mcpscorp.com
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Security

Rapid Capital Funding Rapid Capital Funding
Talk to a Representative: 888-702-2748
Key Facts For Rapid Capital Funding
  • Major Clients:
    BusinessWeek, CNBC, The New York Times, ..
  • Year Founded:
    2008
  • Fulltime Employees:
    15
  • Active Clients:
    300+
  • Revenue:
    $250,000 - $1 million
  • Client Retention Rate:
    90%
  • Pricing:
    L
  • Website:
    rapidcapitalfunding.com
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Metro Merchant Services Metro Merchant Services
Talk to a Representative: 800-771-3719
Service Offerings:
Key Facts For Metro Merchant Services
  • Major Clients:
    Confidential.
  • Year Founded:
    1997
  • Fulltime Employees:
    150
  • Active Clients:
    500+
  • Revenue:
    Above $10 million
  • Client Retention Rate:
    95%
  • Pricing:
    L
  • Website:
    metromerchantservices.com
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Security

15
2007
$3 million - $5 million
136
500+
94%
M
Human Resource and Staffing Services Greensboro, NC, Vernai, UT Trucking Company Small Business Loans, Soldotna, Alaska Veterinary Clinic and Pet Care
94
96
97
95
95
95.4%
-1
Advance Funds Network Advance Funds Network
Talk to a Representative: 844-205-8441
Key Facts For Advance Funds Network
  • Major Clients:
    Human Resource and Staffing Services Gre..
  • Year Founded:
    2007
  • Fulltime Employees:
    136
  • Active Clients:
    500+
  • Revenue:
    $3 million - $5 million
  • Client Retention Rate:
    94%
  • Pricing:
    M
  • Website:
    advancefundsnetwork.com
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Efficiency

Security

AmeriMerchant AmeriMerchant
Talk to a Representative: 212-779-2528
Key Facts For AmeriMerchant
  • Major Clients:
    Confidential.
  • Year Founded:
    2002
  • Fulltime Employees:
    14
  • Active Clients:
    68
  • Revenue:
    $1 million - $3 million
  • Client Retention Rate:
    90%
  • Pricing:
    L
  • Website:
    www.amerimerchant.com
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CardSmart Merchant Services CardSmart Merchant Services
Talk to a Representative: 866-767-2273
Key Facts For CardSmart Merchant Services
  • Major Clients:
    Available upon request.
  • Year Founded:
    1989
  • Fulltime Employees:
    26
  • Active Clients:
    100+
  • Revenue:
    $250,000 - $1 million
  • Client Retention Rate:
    90%
  • Pricing:
    M
  • Website:
    cardsmartchoice.com
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Advanced Merchant Services Advanced Merchant Services
Talk to a Representative: 888-355-8472
Key Facts For Advanced Merchant Services
  • Major Clients:
    Available upon request.
  • Year Founded:
    2007
  • Fulltime Employees:
    29
  • Active Clients:
    200+
  • Revenue:
    $1 million - $3 million
  • Client Retention Rate:
    93%
  • Pricing:
    M
  • Website:
    www.advancedhq.com
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Reviews (0)
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Security

Leap Payments Leap Payments
Talk to a Representative: 800-993-6300
Key Facts For Leap Payments
  • Major Clients:
    Best Western Hotels, H&R Block, Buy Dire..
  • Year Founded:
    2007
  • Fulltime Employees:
    35
  • Active Clients:
    2,500+
  • Revenue:
    $1 million - $3 million
  • Client Retention Rate:
    99%
  • Pricing:
    L
  • Website:
    www.leappayments.com
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Beacon Payments, LLC Beacon Payments, LLC
Talk to a Representative: 617-986-4446
Key Facts For Beacon Payments, LLC
  • Major Clients:
    Available upon request.
  • Year Founded:
    1998
  • Fulltime Employees:
    136
  • Active Clients:
    10,000+
  • Revenue:
    $5 million - $10 million
  • Client Retention Rate:
    94%
  • Pricing:
    M
  • Website:
    www.beaconpayments.com
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Reviews (1)
Positive Review 1 Reviews
Great company, the only good one I have found to be honest!!
David Dixon

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Efficiency

Security

Yellowstone Capital Yellowstone Capital
Talk to a Representative: 855-972-2748
Key Facts For Yellowstone Capital
  • Major Clients:
    Raydar & Associates, Inc, Charlotte Fami..
  • Year Founded:
    2009
  • Fulltime Employees:
    43
  • Active Clients:
    50+
  • Revenue:
    $250,000 - $1 million
  • Client Retention Rate:
    95%
  • Pricing:
    L
  • Website:
    yellowstonecap.com
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GDpay GDpay
Talk to a Representative: 888-600-2602
Key Facts For GDpay
  • Major Clients:
    Confidential.
  • Year Founded:
    2006
  • Fulltime Employees:
    17
  • Active Clients:
    77
  • Revenue:
    $250,000 - $1 million
  • Client Retention Rate:
    86%
  • Pricing:
    L
  • Website:
    www.gdpay.com
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Solupay Solupay
Talk to a Representative: 888-765-8729
Key Facts For Solupay
  • Major Clients:
    Available upon request.
  • Year Founded:
    2004
  • Fulltime Employees:
    29
  • Active Clients:
    200+
  • Revenue:
    $3 million - $5 million
  • Client Retention Rate:
    97%
  • Pricing:
    H
  • Website:
    www.solupay.com
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Merchants Choice Payment Solutions Merchants Choice Payment Solutions
Talk to a Representative: 800-327-0093
Key Facts For Merchants Choice Payment Solutions
  • Major Clients:
    First Data, woodforest, National Bank, P..
  • Year Founded:
    1989
  • Fulltime Employees:
    41
  • Active Clients:
    300+
  • Revenue:
    $3 million - $5 million
  • Client Retention Rate:
    93%
  • Pricing:
    L
  • Website:
    www.mcpscorp.com
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Reviews (0)
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Maverick Capital Maverick Capital
Talk to a Representative: 800-464-9777
Key Facts For Maverick Capital
  • Major Clients:
    Confidential.
  • Year Founded:
    2000
  • Fulltime Employees:
    30
  • Active Clients:
    153
  • Revenue:
    $3 million - $5 million
  • Client Retention Rate:
    98%
  • Pricing:
    L
  • Website:
    maverickcapital.biz
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26
2003
$1 million - $3 million
12
50+
95
L
Leisure Lifestyles, The Color Studio & Salon, National Park Village & The Country Supermarket, Pepper Palace
92
92
91
94
92
92.2%
+1
ForwardLine Financial ForwardLine Financial
Talk to a Representative: 866-623-4900
Key Facts For ForwardLine Financial
  • Major Clients:
    Leisure Lifestyles, The Color Studio & S..
  • Year Founded:
    2003
  • Fulltime Employees:
    12
  • Active Clients:
    50+
  • Revenue:
    $1 million - $3 million
  • Client Retention Rate:
    95
  • Pricing:
    L
  • Website:
    www.forwardline.com
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Reviews (0)
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Security

4Pay Incorporated 4Pay Incorporated
Talk to a Representative: 213-740-7471
Key Facts For 4Pay Incorporated
  • Major Clients:
    splunk , sungard , beanstream , VeriFone
  • Year Founded:
    2010
  • Fulltime Employees:
    274
  • Active Clients:
    327
  • Revenue:
    $3 million - $5 million
  • Client Retention Rate:
    90%
  • Pricing:
    H
  • Website:
    www.4pay.ca
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RedFynn RedFynn
Talk to a Representative: 888-510-9871
Key Facts For RedFynn
  • Major Clients:
    Confidential
  • Year Founded:
    2002
  • Fulltime Employees:
    400
  • Active Clients:
    153,000+
  • Revenue:
    Above $10 million
  • Client Retention Rate:
    99%
  • Pricing:
    L
  • Website:
    www.redfynn.com
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Rafter J Funding Services Rafter J Funding Services
Talk to a Representative: 855-461-1685
Key Facts For Rafter J Funding Services
  • Major Clients:
    Confidential.
  • Year Founded:
    2009
  • Fulltime Employees:
    10
  • Active Clients:
    25
  • Revenue:
    $250,000 - $1 million
  • Client Retention Rate:
    98%
  • Pricing:
    L
  • Website:
    rafterjfundingservices.com
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DCC Merchant Services USA DCC Merchant Services USA
Talk to a Representative: 888-322-8632
Key Facts For DCC Merchant Services USA
  • Major Clients:
    Available upon request.
  • Year Founded:
    2005
  • Fulltime Employees:
    27
  • Active Clients:
    100+
  • Revenue:
    $1 million - $3 million
  • Client Retention Rate:
    88%
  • Pricing:
    L
  • Website:
    www.dcctoday.com
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Evaluation Criteria: Best Merchant Cash Advance Loans
Rates
Rates

Merchants looking for cash advance services are looking for a service which has fair rates associated with the loan or cash advance. During our analysis of merchant cash advance providers we compare the fees and rates associated with the cash advance to ensure the fees the merchant will incur over their use of the cash advance is competitive to others offering similar cash advances and financial stability solutions.

Calculation Methods
Calculation Methods

There are a number of different methods which merchant cash advance providers can use to calculate the payments required by the merchant for repayment in addition to how fees and interest rates are being calculated. We compare the different methods used by merchant cash advance services in order to recommend the vendors which are offering merchants an acceptable way to repay the cash advance they receive.

Customer Support
Customer Support

Due to the nature of the service it is important for the cash advance loan provider to provide their merchants with an effective channel of communication to discuss terms of repayment, the terms of their agreement, or to discuss the requirements of receiving a loan. Customer support needs to be available to both new and existing clients to ensure clear communication and understanding between both parties.

Efficiency
Efficiency

The process used to apply for and determine the eligibility of receiving a merchant cash advance should be simple and straight forward for the merchant. The merchant should be able to simply provide the information requested in order for their eligibility to be determined. The internal process of the merchant cash advance company should also be quick and efficient to deliver a decision as soon as possible.

Security
Security

It is also important for the security concerns and practices of the merchant cash advance company to be comprehensive to ensure that their client information is being held securely. It is also important for the vendor to ensure that payment information and repayment efforts to be properly secured and classified to protect the identity and the security of sensitive information from falling into the hands of unauthorized parties.

 
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