Best
Top 10 Small Business Loans Providers

Best Unsecured Business Loans - May 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

BankCard USA BankCard USA
Talk to a Representative: 800-735-4171
Key Facts For BankCard USA
  • Major Clients:
    Coastal Dermatology, Supertone Hearing, Lu...
  • 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

Strategic Merchant Solutions Strategic Merchant Solutions
Talk to a Representative: 888-614-6300
Key Facts For Strategic Merchant Soluti...
  • Major Clients:
    Burke Williams, Cliffside Malibu, Florida...
  • Year Founded:
    2003
  • Fulltime Employees:
    10
  • Active Clients:
    1,000+
  • Revenue:
    $1 million - $3 million
  • Client Retention Rate:
    98
  • Pricing:
    M
  • Website:
    www.strategicmerchant.com
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Negative Review 1 Reviews
Anonymous
Negative Review
Anonymous

Rates

Calculation Methods

Customer Support

Efficiency

Security

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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Rates

Calculation Methods

Customer Support

Efficiency

Security

Strong Performers
4
2007
$5 million - $10 million
75
350+
90
L
drinknomsi.com, getthatwholesale.com, iHealthspot, Inc., Jazz at Jacks
97
99
98
100
98
98.4%
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
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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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Rates

Calculation Methods

Customer Support

Efficiency

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...
  • 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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Positive0% Write Review

 

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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:
    214
  • Active Clients:
    10000+
  • Revenue:
    Above $10 million
  • Client Retention Rate:
    96
  • Pricing:
    L
  • Website:
    finicalinc.com
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Customer Support

Efficiency

Security

LoanMe LoanMe
Talk to a Representative: 844-956-2663
Key Facts For LoanMe
  • Major Clients:
    Confidential.
  • Year Founded:
    2013
  • Fulltime Employees:
    100
  • Active Clients:
    153
  • Revenue:
    Above $10 million
  • Client Retention Rate:
    94
  • Pricing:
    H
  • Website:
    www.loanme.com
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Reviews (89)
Positive 42.7% 38 Reviews
Dear Tara Harris, Thanks for your professiona...
John Benn
Negative 56.2% 50 Reviews
After having a loan with Loan Me in the past...
John Galhandro
Neutral 1.1% 1 Reviews
Rogelio Cota assissted with me great customer...
Maria navarro

Rates

Calculation Methods

Customer Support

Efficiency

Security

9
2002
$5 million - $10 million
53
210
96
H
Mieneke, Alberto’s Jewelers, Mark’s Pizzeria and Restaurant, Cedar Limousine, Auto Shine Car Wash
96
94
93
96
96
95%
NC
Bank Card Systems Bank Card Systems
Talk to a Representative: 800-223-8603
Service Offerings:
Key Facts For Bank Card Systems
  • Major Clients:
    Mieneke, Alberto’s Jewelers, Mark’s Pizzer...
  • Year Founded:
    2002
  • Fulltime Employees:
    53
  • Active Clients:
    210
  • Revenue:
    $5 million - $10 million
  • Client Retention Rate:
    96
  • Pricing:
    H
  • Website:
    www.bcspos.com
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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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Rates

Calculation Methods

Customer Support

Efficiency

Security

Evaluation Criteria: Best Unsecured Business Loans
Rates
Rates
One of the most important factors of analyzing small business loan companies is the rates being charged for their loans. It is important for each merchant to take into consideration how their loan rates are being calculated, at what percentage are they paying interest, and when they are expected to pay on their loans. We investigate the fees and rates associated with the loans provided by our recommended vendors.
Calculation Methods
Calculation Methods
Different loan programs offer different methods for calculating the interest rates and what type of balance to calculate the interest on. Many small businesses look for competitive rates which provide them with the best value over a period of time compared to other sources of small business loans. It is important to find a small business loan which meets the financial situation and expectations of your own business.
Customer Support
Customer Support
Having a dedicated support team for small business loans is essential due to the nature of the service. For many businesses it is important to have open communication to ensure flexibility in making payments on loans, applying for loans, and negotiating the terms of a contract. Having access to a support team during normal business hours ensures that someone will be available when a business reaches out to them.
Efficiency
Efficiency
The process for applying for a loan and the process for receiving the loaned funds should be an efficient process with a clear start and finish to ensure that businesses will receive their funds when they need it and to reduce the time investment from both sides. Businesses expect the process to be straight-forward and not require a lot of their valuable time to apply for and receive the loan they need to improve their business.
Security
Security
It is important for small business loans to be delivered through means which are secure. In addition, as businesses apply for and receive small business loans, their financial and personal information should be held securely by the loan company. Much of the information required to determine eligibility for a small business loan is sensitive information which can damage a company or involved individuals if electronically stolen.
 
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