Last updated: October 1, 2019

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Best

Top 30 Merchant Cash Advance Companies

Best Merchant Cash Advance Loans - October 2019

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: 616-275-5306
Key Facts For Credit Card Processing Specialists
  • Major Clients:
    Main Street Technologies, Advance Auto Parts, South Central Pallets, Discovery Network, Ace Hardware
  • Year Founded:
    2010
  • Fulltime Employees:
    30
  • Active Clients:
    1,000+
  • Revenue:
    $250,000 - $1 million
  • Client Retention Rate:
    98
  • Pricing:
    M
  • Website:
    www.creditcardprocessingspecialists.com
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Positive0% Write Review

 

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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, Lunaria Music
  • 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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Negative Review 0 Reviews
Anonymous

Rates

Calculation Methods

Customer Support

Efficiency

Security

3
1993
$5 million - $10 million
253
1000+
92
L
Georgetown Group, HDT, Wooden Ships, Inc, Infrastructure Insights, Inc., Wild Pets
99
100
99
100
98
99.2%
NC
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, Infrastructure Insights, Inc., Wild Pets
  • 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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Reviews (44)
Positive 52.3% 23 Reviews
I wanted to take this time to let anyone who...
Ashlyn Brown
Positive
Matt Will is always working to make the exper...
Robert Boschetto
Negative 47.7% 21 Reviews
This company uses email SPAM to get clients....
Phil Laboon

Rates

Calculation Methods

Customer Support

Efficiency

Security

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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Negative Review 0 Reviews
Anonymous

Rates

Calculation Methods

Customer Support

Efficiency

Security

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, Pos partners, Paymentech
  • 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

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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Negative Review 4 Reviews
These guys take a week to get you an approval...
Jared Tamashiro
Negative Review
One of the absolute rudest companies that has...
James Fiore
Negative Review
shady company should be eliminate
gus nak

Rates

Calculation Methods

Customer Support

Efficiency

Security

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:
    www.rafterjfundingservices.com
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Security

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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Efficiency

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, Inc 500
  • Year Founded:
    2008
  • Fulltime Employees:
    15
  • Active Clients:
    300+
  • Revenue:
    $250,000 - $1 million
  • Client Retention Rate:
    90
  • Pricing:
    L
  • Website:
    www.rapidcapitalfunding.com
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Positive0% Write Review

 

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Customer Support

Efficiency

Security

10
2007
$250,000 - $1 million
25
78
92
M
Café Med, GKB Framing, Wizard of Oz Catering, Desert Ovens Pizzeria, Dave & Jerry's Auto
97
98
97
96
97
97%
NC
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 Catering, Desert Ovens Pizzeria, Dave & Jerry's Auto
  • 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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Reviews (39)
Positive 17.9% 7 Reviews
This is a great and very real company. The 1...
Gregory Gouveia
Negative 79.5% 31 Reviews
They NEVER answer their phones!!!
Michael Coury
Neutral 2.6% 1 Reviews
This is okay
Daniel Jimenez

Rates

Calculation Methods

Customer Support

Efficiency

Security

11
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
99
96
95
96
97
96.6%
NC
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 Greensboro, NC, Vernai, UT Trucking Company Small Business Loans, Soldotna, Alaska Veterinary Clinic and Pet Care
  • Year Founded:
    2007
  • Fulltime Employees:
    136
  • Active Clients:
    500+
  • Revenue:
    $3 million - $5 million
  • Client Retention Rate:
    94
  • Pricing:
    M
  • Website:
    www.advancefundsnetwork.com
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Reviews (26)
Positive 96.2% 25 Reviews
Advanced Funds Network LLC got me off to a gr...
William Haddock
Positive
I recently got a merchant cash advance from A...
Alex Reighland
Negative 3.8% 1 Reviews
Great customer service!
Just Me

Rates

Calculation Methods

Customer Support

Efficiency

Security

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:
    www.metromerchantservices.com
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Positive0% Write Review

 

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Security

Yellowstone Capital Yellowstone Capital
Talk to a Representative: 855-972-2748
Key Facts For Yellowstone Capital
  • Major Clients:
    Raydar & Associates, Inc, Charlotte Family Yoga Center, Riverland LD&S, Inc., Revenue Systems Inc.
  • 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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Security

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:
    www.cardsmartchoice.com
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Negative Review 2 Reviews
Anonymous
Negative Review
Anonymous

Rates

Calculation Methods

Customer Support

Efficiency

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, First Data
  • 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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Positive0% Write Review

 

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Customer Support

Efficiency

Security

16
2007
$5 million - $10 million
75
350+
90
L
drinknomsi.com, getthatwholesale.com, iHealthspot, Inc., Jazz at Jacks
96
96
95
93
95
95%
NC
On Deck On Deck
Talk to a Representative: 888-269-4246
Key Facts For On Deck
  • Major Clients:
    drinknomsi.com, getthatwholesale.com, iHealthspot, Inc., Jazz at Jacks
  • 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

4Pay Incorporated 4Pay Incorporated
Talk to a Representative: 213-740-7471
Service Offerings:
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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Positive0% Write Review

 

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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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Positive0% Write Review

 

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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 Direct, Yellow Cab, PetSmart
  • 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
Request A Quote
Positive0% Write Review

 

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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
Request A Quote
Reviews (19)
Positive 52.6% 10 Reviews
Best company in the industry with no hidden f...
gkadish
Positive
Ken Sherman from Beacon payments is honest an...
Nicole Lavallee
Negative 47.4% 9 Reviews
This company has hidden fees, it stilling my...
Mikhail Dabralovich

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Efficiency

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:
    www.1stmerchantfunding.com
Request A Quote
Positive0% Write Review

 

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ICBA Bancard ICBA Bancard
Talk to a Representative: 888-640-1092
Key Facts For ICBA Bancard
  • Major Clients:
    TCM Bank , Vantiv , Fiserv , Bancard University
  • Year Founded:
    1985
  • Fulltime Employees:
    32
  • Active Clients:
    54
  • Revenue:
    $1 million - $3 million
  • Client Retention Rate:
    90
  • Pricing:
    L
  • Website:
    www.icbabancard.com
Request A Quote
Positive 25.0% 1 Reviews
Thanks customer service team for swiftly upda...
Grim Reaper
Negative 75.0% 3 Reviews
Terrible service. I closed my VISA Sierra Cl...
Patricia Wafer
Negative
Never again! Clearly customer service is not...
Tedi Gary

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Customer Support

Efficiency

Security

23
2003
$1 million - $3 million
12
50+
95
L
Leisure Lifestyles, The Color Studio & Salon, National Park Village & The Country Supermarket, Pepper Palace
95
92
93
94
92
93.2%
NC
ForwardLine Financial ForwardLine Financial
Talk to a Representative: 866-623-4900
Key Facts For ForwardLine Financial
  • Major Clients:
    Leisure Lifestyles, The Color Studio & Salon, National Park Village & The Country Supermarket, Pepper Palace
  • Year Founded:
    2003
  • Fulltime Employees:
    12
  • Active Clients:
    50+
  • Revenue:
    $1 million - $3 million
  • Client Retention Rate:
    95
  • Pricing:
    L
  • Website:
    www.forwardline.com
Request A Quote
Reviews (43)
Positive 72.1% 31 Reviews
Forwardline is very honest and helpful in hel...
Mr. B
Positive
My experience with Forwardline has been great...
Tony Santana
Negative 27.9% 12 Reviews
BEWARE.....Don't use them... They promise $$$
henry flinn

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Efficiency

Security

RedFynn RedFynn
Talk to a Representative: (888) 510-9871
Key Facts For RedFynn
  • Major Clients:
    Confidential
  • Year Founded:
    2002
  • Fulltime Employees:
    20
  • Active Clients:
    153,000+
  • Revenue:
    Above $10 million
  • Client Retention Rate:
    99
  • Pricing:
    M
  • Website:
    www.redfynn.com
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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
Request A Quote
Positive0% Write Review

 

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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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Positive0% Write Review

 

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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:
    10000+
  • Revenue:
    Above $10 million
  • Client Retention Rate:
    94
  • Pricing:
    L
  • Website:
    finicalinc.com
Request A Quote
Positive0% Write Review

 

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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
Request A Quote
Reviews (87)
Positive 44.8% 39 Reviews
I had a great experience with this company! A...
Obietta Richmond
Positive
I"m an office manager in the health care indu...
Cathy W. Norton
Negative 55.2% 48 Reviews
AWFUL!!!!!!!!!!!!!!!!!!!!!!!!!!!!! They had...
Karima Zaki

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Efficiency

Security

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:
    www.MaverickCapital.biz
Request A Quote
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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
Request A Quote
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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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