Last updated: January 1, 2015

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Best

Top 30 Merchant Cash Advance Companies

Best Merchant Cash Advance Loans - January 2015

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TREND
DOWNWARD
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CHANGE
 
 

Rank

Company Name

Year
Founded

Revenue

Fulltime
Employees

Active
Clients

Client
Retention
Rate

Pricing

Major Clients

Other Core
Services

Rates

Calculation Methods

Customer Support

Efficiency

Security

Overall Score

0
100
 
G
VG
E
 

Change in Rank

Leaders

1

BankCard USA More info

Agoura Hills, California
Shawn Skelton
800-735-4171

Visit Website

1998

$1 million - $3 million

26 - 50

20,000+

96%

H

Coastal Dermatology, Supertone Hearing, Lunaria Music

Payment Gateway, Credit Card Processing

 

100

 

100

 

100

 

100

 

100

100%

NC

 

2

Fidelity Advance, LLC More info

Scottsdale, Arizona
Chris Williams
877-838-7854

Visit Website

2007

$1 million - $3 million

26 - 50

200+

95%

H

Confidential

Merchant Cash Advance

 

98

 

100

 

100

 

99

 

100

99.4%

NC

 

3

CAN Capital More info

New York City, New York
Daniel DeMeo
8775504731

Visit Website

1998

$5 million - $10 million

Above 100

20,000+

95%

H

Confidential

Merchant Cash Advance

 

99

 

98

 

100

 

99

 

100

99.2%

NC

 
Strong Performers

4

Finical Inc. More info

Oak Park, California
Aaron Nasseh
8887077258 Ext. 6619

Visit Website

2012

$1 million - $3 million

11 - 25

1000+

94%

H

Confidential

Small Business Loans, Credit Card Processing

 

98

 

99

 

100

 

98

 

99

98.8%

NC

 

5

Rafter J Funding Services More info

San Angelo, Texas
Stephen F. Williams
(855) 461-1685

Visit Website

2009

$250,000 - $1 million

1 - 10

25

98%

H

Confidential

Small Business Loans

 

100

 

99

 

97

 

98

 

99

98.6%

NC

 

6

Merchants Advance Network More info

Ft. Lauderdale, Florida
Michael Scalise
8887894410

Visit Website

2010

$1 million - $3 million

26 - 50

500+

95%

H

Small to Mid-size business, Edible Arrangements, IHOP, Wendys

Merchant Services, Small Business Loans

 

98

 

96

 

99

 

98

 

100

98.2%

NC

 
Contenders

7

Credit Card Processing Specialists More info

Grandville, Michigan
Mike Konig
877-554-5853

Visit Website

2010

$250,000 - $1 million

26 - 50

1,000+

98%

H

Main Street Technologies, Advance Auto Parts, South Central Pallets, Discovery Network, Ace Hardware

Point of Sale Systems, Payment Gateway, Credit Card Processing

 

96

 

99

 

98

 

100

 

97

98%

NC

 

8

BC Funding More info

Syosset, New York
Mark Quinones
877-871-6097

Visit Website

2008

Under $250,000

1 - 10

50+

91%

H

Confidential

Credit Card Processing

 

96

 

99

 

97

 

100

 

97

97.8%

NC

 

9

Swift Financial Corp. More info

Wilmington, Delaware
Edward Harycki
888-923-0007

Visit Website

2006

$5 million - $10 million

51 - 100

43

94%

H

B. -Fit Enterprises, Mike I., Wexford, Philly.com, Small Business Trends

Merchant Cash Advance

 

96

 

98

 

97

 

100

 

97

97.6%

NC

 

10

ICBA Bancard More info

Tampa, Florida
John H. Buhrmaster
888-640-1092

Visit Website

1985

$1 million - $3 million

26 - 50

54

90%

H

Confidential

Credit Card Processing

 

96

 

98

 

96

 

100

 

96

97.2%

NC

 

11

Merchants Choice Payment Solutions More info

The Woodlands, Texas
Charles Vernon
800-327-0093

Visit Website

1989

$3 million - $5 million

51 - 100

300+

93%

H

First Data, woodforest, National Bank, Pos partners, Paymentech

Check Processing, Credit Card Processing

 

96

 

99

 

97

 

95

 

97

96.8%

NC

 

12

CardPayment Solutions More info

Chico, California
Confidential
888-571-0299

Visit Website

2004

$1 million - $3 million

11 - 25

59

90%

H

Confidential

Wireless Integration, Credit Card Processing, Mobile Processing

 

95

 

97

 

96

 

98

 

94

96%

NC

 

13

Reliant Services Group More info

San Diego, California
Adam Stettner
877-850-0998

Visit Website

2007

$250,000 - $1 million

11 - 25

78

92%

H

Café Med, GKB Framing, Wizard of Oz Catering, Desert Ovens Pizzeria, Dave & Jerry's Auto

Equipment Leasing

 

95

 

97

 

94

 

97

 

95

95.6%

NC

 

14

AmeriMerchant More info

New York, New York
David Goldin
(212) 779-2528

Visit Website

2002

$1 million - $3 million

51 - 100

68

90%

H

Confidential

Merchant Cash Advance

 

94

 

95

 

95

 

95

 

96

95%

NC

 

15

Direct Capital Corporation More info

Portsmouth, New Hampshire
James Broom
800-999-9942

Visit Website

1993

$5 million - $10 million

Above 100

1000+

92%

H

Georgetown Group, HDT, Wooden Ships, Inc, Infrastructure Insights, Inc., Wild Pets

Equipment Leasing

 

96

 

93

 

95

 

94

 

93

94.2%

NC

 

16

CardSmart Merchant Services More info

Las Vegas, Nevada
Eric Elam
866-767-2273

Visit Website

1989

$250,000 - $1 million

11 - 25

100+

90%

H

Confidential

Point of Sale Systems, Credit Card Processing

 

90

 

94

 

93

 

95

 

95

93.4%

NC

 

17

Merchant Choice Card Services More info

Leonia, New Jersey
Littleton, Charles
201-592-5927

Visit Website

2003

$1 million - $3 million

26 - 50

63

89%

H

IBAT, Planet, NC Bankers GHBA NACUBO

PCI Compliance, Check Processing

 

92

 

94

 

92

 

92

 

93

92.6%

NC

 

18

Advanced Merchant Services More info

Hernando Beach, Florida
Jason A. Felts
888-355-8472

Visit Website

2007

$1 million - $3 million

11 - 25

200+

93%

H

Confidential

Gift & Loyalty Cards, Check Processing, Credit Card Processing

 

93

 

92

 

92

 

91

 

92

92%

NC

 

19

POS Alliance More info

Doral, Florida
Martin Perez
888-857-7459

Visit Website

2006

$250,000 - $1 million

1 - 10

100+

91%

H

Confidential

Equipment Leasing, Point of Sale Systems, Credit Card Processing

 

90

 

91

 

93

 

91

 

91

91.2%

NC

 

20

Everest Merchant Services More info

New York, New York
Albert Faivush
877-554-4593

Visit Website

2010

$250,000 - $1 million

1 - 10

100+

93%

H

Confidential

Retail Processing, Credit Card Processing

 

90

 

89

 

92

 

92

 

89

90.4%

NC

 

21

Yellowstone Capital More info

New York, New York
Rafael Russ
855-972-2748

Visit Website

2009

Under $250,000

1 - 10

50+

95%

H

Raydar & Associates, Inc, Charlotte Family Yoga Center, Riverland LD&S, Inc., Revenue Systems Inc.

High Risk Processing, Credit Card Processing

 

91

 

91

 

89

 

90

 

89

90%

NC

 

22

Advance Funds Network More info

Brooklyn, New York
Douglas H.
888-310-3110

Visit Website

2007

$1 million - $3 million

26 - 50

500+

94%

H

Human Resource and Staffing Services Greensboro, NC, Vernai, UT Trucking Company Small Business Loans, Soldotna, Alaska Veterinary Clinic and Pet Care

Small Business Loans

 

91

 

91

 

88

 

88

 

90

89.6%

NC

 

23

Vantage Card Services More info

Woodstock, Georgia
Ted Hardison
770-928-5688

Visit Website

1996

$3 million - $5 million

11 - 25

200+

93%

H

Aress Networking Academy, The Flower Shack, Giggles & Smiles, CNAC, The Atlanta Community Food Bank

Gift & Loyalty Cards

 

88

 

90

 

90

 

90

 

87

89%

NC

 

24

DCC Merchant Services USA More info

Westbury, New York
Thomas M. Dunn
888-322-8632

Visit Website

2005

$1 million - $3 million

11 - 25

100+

88%

H

Confidential

PIN Technology / Authentication, Multi-Currency Processing, Gift & Loyalty Cards

 

89

 

88

 

88

 

90

 

87

88.4%

NC

 

25

Solupay More info

Twinsburg, Ohio
Joe Musitano
888-765-8729

Visit Website

1994

$3 million - $5 million

11 - 25

200+

97%

H

Confidential

Check Processing, Credit Card Processing

 

87

 

88

 

87

 

88

 

86

87.2%

NC

 

26

Cash Advance Exchange More info

Corona del Mar, California
Eric Pruessing
877-865-7744

Visit Website

1997

$1 million - $3 million

11 - 25

72

89%

H

Bistro 55, Stacks Sports Bar & Grill, Sunset Tanland, I Fix It Auto Body, Sarah’s Salon & Spa

Alternative Payments, Credit Card Processing

 

86

 

85

 

88

 

87

 

88

86.8%

NC

 

27

Myposdepot.com More info

Huntingdon Valley, Pennsylvania
Lou Kale
866-480-2433

Visit Website

2001

$1 million - $3 million

1 - 10

100+

92%

H

Confidential

Point of Sale Systems, Credit Card Processing

 

87

 

86

 

86

 

88

 

85

86.4%

NC

 

28

d56f59e585cf884634f2523d673c535b.jpg More info

,

Visit Website

H

 

85

 

86

 

86

 

87

 

85

85.8%

NC

 

29

GDpay More info

Phoenix, Arizona
Craig Yox
888-600-2602

Visit Website

2006

$250,000 - $1 million

1 - 10

77

86%

H

Confidential

Gift & Loyalty Cards, Check Processing, Credit Card Processing

 

85

 

86

 

87

 

85

 

84

85.4%

NC

 

30

Rapid Capital Funding More info

Miami, Florida
Craig Hecker
305-424-2000

Visit Website

2008

$250,000 - $1 million

1 - 10

30+

90%

H

BusinessWeek, CNBC, The New York Times, Inc 500

Merchant Cash Advance

 

86

 

85

 

86

 

84

 

84

85%

NC

 
Evaluation Criteria: Best Merchant Cash Advance Loans
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

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

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

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

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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