Last updated: September 1, 2021

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Best
Top 30 Merchant Cash Advance Companies

Best Merchant Cash Advance Loans - September 2021

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 Sp...
  • Major Clients:
    Main Street Technologies, Advance Auto Par...
  • 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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Calculation Methods

Customer Support

Efficiency

Security

Global Processing Systems Global Processing Systems
Talk to a Representative: 866 823-1960
Key Facts For Global Processing Systems
  • Major Clients:
    Available upon request.
  • Year Founded:
    2003
  • Fulltime Employees:
    35
  • Active Clients:
    34,000+
  • Revenue:
    3.8M
  • Client Retention Rate:
    97
  • Pricing:
    L
  • Website:
    www.gprocessing.com
Request A Quote
Reviews (98)
Positive 96.9% 95 Reviews
(Translated by Google) Thank you for your exc...
Guillermina Quezada
Positive
I called this morning spoke to a very nice gi...
Irene Medina
Negative 3.1% 3 Reviews
This company is the absolute worst. Do not ge...
Samantha Preciado

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Calculation Methods

Customer Support

Efficiency

Security

PAYARC PAYARC
Talk to a Representative: (877) 203-6624
Key Facts For PAYARC
  • Major Clients:
    Confidential
  • Year Founded:
    2016
  • Fulltime Employees:
    43
  • Active Clients:
    10,000
  • Revenue:
    30m-50m
  • Client Retention Rate:
    99
  • Pricing:
    L
  • Website:
    www.payarc.com
Request A Quote
Reviews (12)
Positive Review 12 Reviews
Best in Class Support + Transparent Competitive Pricing = Very Happy Merchants
When we started PayArc we saw a huge opportun...
Jared Ronski
Positive Review
Excellent processing solution.
The overall experience has been great. Have a...
David Broudie
Positive Review
Great team and top-tier technology!
Overall, great company values, excellent serv...
Nicol Krasni

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Calculation Methods

Customer Support

Efficiency

Security

Strong Performers
BankCard USA BankCard USA
Talk to a Representative: 1 800-589-8200
Key Facts For BankCard USA
  • Major Clients:
    Coastal Dermatology, Supertone Hearing, Lu...
  • Year Founded:
    1998
  • Fulltime Employees:
    44
  • Active Clients:
    20,000+
  • Revenue:
    30-50M
  • Client Retention Rate:
    96
  • Pricing:
    L
  • Website:
    www.bankcardusa.com
Request A Quote
Negative Review 0 Reviews
Anonymous

Rates

Calculation Methods

Customer Support

Efficiency

Security

CardPayment Solutions CardPayment Solutions
Talk to a Representative: 1 559-275-7577
Key Facts For CardPayment Solutions
  • Major Clients:
    Available upon request.
  • Year Founded:
    1999
  • Fulltime Employees:
    51
  • Active Clients:
    59
  • Revenue:
    $27 Million
  • Client Retention Rate:
    90
  • Pricing:
    L
  • Website:
    www.csiprocessing.com
Request A Quote
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Calculation Methods

Customer Support

Efficiency

Security

RedFynn Technologies RedFynn Technologies
Talk to a Representative: 888-510-9871
Key Facts For RedFynn Technologies
  • Major Clients:
    Confidential
  • Year Founded:
    2002
  • Fulltime Employees:
    100 - 250
  • Active Clients:
    153,000+
  • Revenue:
    $10 million - $50 million
  • Client Retention Rate:
    99
  • Pricing:
    M
  • Website:
    www.redfynn.com
Request A Quote
Positive0% Write Review

 

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Calculation Methods

Customer Support

Efficiency

Security

DCC Merchant Services USA DCC Merchant Services USA
Talk to a Representative: 1 516-333-7400
Key Facts For DCC Merchant Services USA
  • Major Clients:
    Available upon request.
  • Year Founded:
    2005
  • Fulltime Employees:
    31
  • Active Clients:
    100+
  • Revenue:
    $6 Million
  • Client Retention Rate:
    88
  • Pricing:
    L
  • Website:
    www.dcctoday.com
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Positive0% Write Review

 

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Calculation Methods

Customer Support

Efficiency

Security

GDpay GDpay
Talk to a Representative: 888-600-2602
Key Facts For GDpay
  • Major Clients:
    Confidential.
  • Year Founded:
    2006
  • Fulltime Employees:
    1 - 10
  • Active Clients:
    77
  • Revenue:
    Est. $1 million
  • Client Retention Rate:
    86
  • Pricing:
    L
  • Website:
    www.gdpay.com
Request A Quote
Positive0% Write Review

 

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Calculation Methods

Customer Support

Efficiency

Security

Leap Payments, Inc. Leap Payments, Inc.
Talk to a Representative: 800-993-6300
Key Facts For Leap Payments, Inc.
  • Major Clients:
    Best Western Hotels, H&R Block, Buy Direct...
  • Year Founded:
    2005
  • Fulltime Employees:
    10 - 50
  • Active Clients:
    2,500+
  • Revenue:
    $1 million - $5 million
  • Client Retention Rate:
    99
  • Pricing:
    L
  • Website:
    www.leappayments.com
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Positive0% Write Review

 

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Calculation Methods

Customer Support

Efficiency

Security

1st Merchant Funding, LLC 1st Merchant Funding, LLC
Talk to a Representative: 866-710-2265
Key Facts For 1st Merchant Funding, LLC
  • Major Clients:
    McCoy Pizza, Tee Luck Lounge, Mccoy Pizza
  • Year Founded:
    2007
  • Fulltime Employees:
    1,000 - 2,500
  • Active Clients:
    90
  • Revenue:
    $250 million - $500 million
  • Client Retention Rate:
    92
  • Pricing:
    H
  • Website:
    www.1stmerchantfunding.com
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Positive0% Write Review

 

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Calculation Methods

Customer Support

Efficiency

Security

Amerimerchant, LLC Amerimerchant, LLC
Talk to a Representative: 800-267-3790
Key Facts For Amerimerchant, LLC
  • Major Clients:
    Confidential.
  • Year Founded:
    2002
  • Fulltime Employees:
    500 - 1,000
  • Active Clients:
    68
  • Revenue:
    $50 million - $100 million
  • Client Retention Rate:
    90
  • Pricing:
    L
  • Website:
    www.amerimerchant.com
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Negative Review 4 Reviews
Scam. Promised to pay, promised to pay, promi...
Peter Gilboy
Negative Review
shady company should be eliminate
gus nak
Negative Review
One of the absolute rudest companies that has...
James Fiore

Rates

Calculation Methods

Customer Support

Efficiency

Security

12
1993
$5 million - $10 million
253
1000+
92
L
Georgetown Group, HDT, Wooden Ships, Inc, Infrastructure Insights, Inc., Wild Pets
96
97
96
97
96
96.4%
NC
Direct Capital Corporation Direct Capital Corporation
Talk to a Representative: 866-777-0117
Key Facts For Direct Capital Corporatio...
  • 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
Request A Quote
Reviews (44)
Positive 52.3% 23 Reviews
I call them just to find out the deal of the...
Dr. Balls Gumby III
Positive
Friendly professionals, worked with us and o...
Nancy Stock
Negative 47.7% 21 Reviews
I was unhappy with the customer service
Mike Bates

Rates

Calculation Methods

Customer Support

Efficiency

Security

Merchants Choice Payment Solutions Merchants Choice Payment Solutions
Talk to a Representative: 281-583-4400
Key Facts For Merchants Choice Payment...
  • Major Clients:
    IBAT, Planet, NC Bankers GHBA NACUBO, Firs...
  • Year Founded:
    1989
  • Fulltime Employees:
    100 - 250
  • Active Clients:
    300+
  • Revenue:
    $10 million - $50 million
  • Client Retention Rate:
    93
  • Pricing:
    L
  • Website:
    www.mcpscorp.com
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Positive0% Write Review

 

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Rates

Calculation Methods

Customer Support

Efficiency

Security

Yellowstone Capital LLC Yellowstone Capital LLC
Talk to a Representative: 855-972-2748
Key Facts For Yellowstone Capital LLC
  • Major Clients:
    Raydar & Associates, Inc, Charlotte Family...
  • Year Founded:
    2009
  • Fulltime Employees:
    100 - 250
  • Active Clients:
    50+
  • Revenue:
    $10 million - $50 million
  • Client Retention Rate:
    95
  • Pricing:
    L
  • Website:
    yellowstonecap.com
Request A Quote
Positive0% Write Review

 

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Calculation Methods

Customer Support

Efficiency

Security

15
2007
$5 million - $10 million
50 - 100
78
92
M
Café Med, GKB Framing, Wizard of Oz Catering, Desert Ovens Pizzeria, Dave & Jerry's Auto, Gkb Framing, Wizard Of Oz Catering
95
94
94
97
96
95.2%
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 Cateri...
  • Year Founded:
    2007
  • Fulltime Employees:
    50 - 100
  • Active Clients:
    78
  • Revenue:
    $5 million - $10 million
  • Client Retention Rate:
    92
  • Pricing:
    M
  • Website:
    www.callreliant.com
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Reviews (39)
Positive 17.9% 7 Reviews
We had a really great experience working with...
Jessica Boothe
Negative 79.5% 31 Reviews
Sent me an unwanted, unapplied for credit car...
Rob S
Neutral 2.6% 1 Reviews
This is okay
Daniel Jimenez

Rates

Calculation Methods

Customer Support

Efficiency

Security

Flash Advance Flash Advance
Talk to a Representative: 888-504-1166
Key Facts For Flash Advance
  • Major Clients:
    Confidential.
  • Year Founded:
    2007
  • Fulltime Employees:
    1 - 10
  • Active Clients:
    1,000+
  • Revenue:
    Est. $1 million
  • Client Retention Rate:
    95
  • Pricing:
    M
  • Website:
    www.flashadvance.com
Request A Quote
Positive0% Write Review

 

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Rates

Calculation Methods

Customer Support

Efficiency

Security

4Pay Incorporated 4Pay Incorporated
Talk to a Representative:
Service Offerings:
Key Facts For 4Pay Incorporated
  • Major Clients:
    splunk , sungard , beanstream , VeriFone
  • Year Founded:
    2010
  • Fulltime Employees:
    11
  • Active Clients:
    327
  • Revenue:
    $3 million - $5 million
  • Client Retention Rate:
    90
  • Pricing:
    H
  • Website:
    www.4pay.ca
Request A Quote
Positive0% Write Review

 

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Customer Support

Efficiency

Security

Advanced Merchant services Advanced Merchant services
Talk to a Representative: 888-355-8472
Key Facts For Advanced Merchant service...
  • Major Clients:
    Available upon request.
  • Year Founded:
    2006
  • Fulltime Employees:
    250 - 500
  • Active Clients:
    200+
  • Revenue:
    $10 million - $50 million
  • Client Retention Rate:
    93
  • Pricing:
    M
  • Website:
    www.advancedhq.com
Request A Quote
Reviews (87)
Positive 44.8% 39 Reviews
Thank you Gary King for saving us all of this...
Cindy Stapleton
Positive
Great service and help save me lots of fees ....
Umesh Patel
Negative 55.2% 48 Reviews
worst merchant company ever ! don’t trust and...
mahan nasheri

Rates

Calculation Methods

Customer Support

Efficiency

Security

Maverick Capital Maverick Capital
Talk to a Representative:
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
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Positive0% Write Review

 

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Rates

Calculation Methods

Customer Support

Efficiency

Security

Beacon Payments, LLC Beacon Payments, LLC
Talk to a Representative: 1 877-986-4445
Key Facts For Beacon Payments, LLC
  • Major Clients:
    Available upon request.
  • Year Founded:
    2008
  • Fulltime Employees:
    37
  • Active Clients:
    10,000+
  • Revenue:
    5.0M
  • Client Retention Rate:
    94
  • Pricing:
    M
  • Website:
    www.beaconpayments.com
Request A Quote
Reviews (10)
Positive Review 10 Reviews
Amazing option
I am very very positive about this company an...
Christopher Mykiway
Positive Review
I have referred several friends to Beacon sin...
Brittany Carter
Positive Review
My rep Justin DaRosa was great. He helped me...
mike daher

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Calculation Methods

Customer Support

Efficiency

Security

21
2007
$5 million - $10 million
10 - 50
500+
94
M
Human Resource and Staffing Services Greensboro, NC, Vernai, UT Trucking Company Small Business Loans, Soldotna, Alaska Veterinary Clinic and Pet Care, Nc, Vernai, Soldotna, Ut Trucking Company
93
95
95
92
93
93.6%
NC
Advanced Funds Network L L C Advanced Funds Network L L C
Talk to a Representative: 888-310-3110
Key Facts For Advanced Funds Network L...
  • Major Clients:
    Human Resource and Staffing Services Green...
  • Year Founded:
    2007
  • Fulltime Employees:
    10 - 50
  • Active Clients:
    500+
  • Revenue:
    $5 million - $10 million
  • Client Retention Rate:
    94
  • Pricing:
    M
  • Website:
    www.advancefundsnetwork.com
Request A Quote
Reviews (26)
Positive 96.2% 25 Reviews
Amazing setup. LEON Mittleton was a very prof...
scott hergott
Positive
Fast and reliable guy to obtain funding!!
Fernando Almeida
Negative 3.8% 1 Reviews
Great customer service!
Just Me

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Customer Support

Efficiency

Security

Rafter J Funding Services Rafter J Funding Services
Talk to a Representative:
Key Facts For Rafter J Funding Services
  • Major Clients:
    Confidential.
  • Year Founded:
    2009
  • Fulltime Employees:
    10
  • Active Clients:
    25
  • Revenue:
    -
  • Client Retention Rate:
    98
  • Pricing:
    L
  • Website:
    www.rafterjfundingservices.com
Request A Quote
Positive0% Write Review

 

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Calculation Methods

Customer Support

Efficiency

Security

Merchant Cash Advance Merchant Cash Advance
Talk to a Representative: 888-321-3821
Service Offerings:
Key Facts For Merchant Cash Advance
  • Major Clients:
    Confidential.
  • Year Founded:
    2015
  • Fulltime Employees:
    1 - 10
  • Active Clients:
    24
  • Revenue:
    Est. $1 million
  • Client Retention Rate:
    88
  • Pricing:
    M
  • Website:
    merchantcash.com
Request A Quote
Positive0% Write Review

 

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Neutral0% Write Review

 

Rates

Calculation Methods

Customer Support

Efficiency

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:
    1 - 10
  • Active Clients:
    10000+
  • Revenue:
    Est. $1 million
  • Client Retention Rate:
    96
  • Pricing:
    L
  • Website:
    finicalinc.com
Request A Quote
Positive0% Write Review

 

Negative0% Write Review

 

Neutral0% Write Review

 

Rates

Calculation Methods

Customer Support

Efficiency

Security

Solupay Consulting, Inc. Solupay Consulting, Inc.
Talk to a Representative: 888-765-8729
Key Facts For Solupay Consulting, Inc.
  • Major Clients:
    Available upon request.
  • Year Founded:
    1994
  • Fulltime Employees:
    100 - 250
  • Active Clients:
    200+
  • Revenue:
    $10 million - $50 million
  • Client Retention Rate:
    97
  • Pricing:
    H
  • Website:
    www.solupay.com
Request A Quote
Negative Review 0 Reviews
Anonymous

Rates

Calculation Methods

Customer Support

Efficiency

Security

26
2003
$10 million - $50 million
100 - 250
50+
95
L
Leisure Lifestyles, The Color Studio & Salon, National Park Village & The Country Supermarket, Pepper Palace
94
92
92
92
93
92.6%
NC
ForwardLine ForwardLine
Talk to a Representative: 866-623-4900
Key Facts For ForwardLine
  • Major Clients:
    Leisure Lifestyles, The Color Studio & Sal...
  • Year Founded:
    2003
  • Fulltime Employees:
    100 - 250
  • Active Clients:
    50+
  • Revenue:
    $10 million - $50 million
  • Client Retention Rate:
    95
  • Pricing:
    L
  • Website:
    www.forwardline.com
Request A Quote
Reviews (43)
Positive 72.1% 31 Reviews
I have been with Forward Line for a while and...
David Bowman
Positive
Forward line financial was so great and easy...
Jordan Hayden
Negative 27.9% 12 Reviews
BEWARE.....Don't use them... They promise $$$
henry flinn

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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
Request A Quote
Positive0% Write Review

 

Negative0% Write Review

 

Neutral0% Write Review

 

Rates

Calculation Methods

Customer Support

Efficiency

Security

Cardsmart Merchant Services, Inc. Cardsmart Merchant Services, Inc.
Talk to a Representative: 866-767-2273
Key Facts For Cardsmart Merchant Servic...
  • Major Clients:
    Available upon request.
  • Year Founded:
    1989
  • Fulltime Employees:
    10 - 50
  • Active Clients:
    100+
  • Revenue:
    $1 million - $5 million
  • Client Retention Rate:
    90
  • Pricing:
    M
  • Website:
    www.cardsmartchoice.com
Request A Quote
Negative Review 2 Reviews
Anonymous
Negative Review
Anonymous

Rates

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Customer Support

Efficiency

Security

29
2007
$5 million - $10 million
75
350+
90
L
drinknomsi.com, getthatwholesale.com, iHealthspot, Inc., Jazz at Jacks
92
93
90
93
92
92%
NC
On Deck On Deck
Talk to a Representative: 888-269-4246
Key Facts For On Deck
  • Major Clients:
    drinknomsi.com, getthatwholesale.com, iHea...
  • Year Founded:
    2007
  • Fulltime Employees:
    75
  • Active Clients:
    350+
  • Revenue:
    $5 million - $10 million
  • Client Retention Rate:
    90
  • Pricing:
    L
  • Website:
    www.ondeckcapital.com
Request A Quote
Positive0% Write Review

 

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Neutral0% Write Review

 

Rates

Calculation Methods

Customer Support

Efficiency

Security

Rapid Capital Funding Rapid Capital Funding
Talk to a Representative: 888-344-0095
Key Facts For Rapid Capital Funding
  • Major Clients:
    BusinessWeek, CNBC, The New York Times, In...
  • Year Founded:
    2008
  • Fulltime Employees:
    10 - 50
  • Active Clients:
    300+
  • Revenue:
    $1 million - $5 million
  • Client Retention Rate:
    90
  • Pricing:
    L
  • Website:
    www.rapidcapitalfunding.com
Request A Quote
Positive0% Write Review

 

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Customer Support

Efficiency

Security

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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