topcreditcardprocessors video evaluation
Our Selection Process For
Best Unsecured Business Loans

Last updated: September 1, 2017

Apply For Rankings | Improve Your Rankings | Evaluation Criteria

 
Best

Top 10 Small Business Loans Providers

Best Unsecured Business Loans - September 2017

UPWARD
TREND
DOWNWARD
TREND
NO
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

Agoura Hills, California

Shawn Skelton
800-735-4171
More info

Visit Website

1998

$1 million - $3 million

332

20,000+

96%

L

Coastal Dermatology, Supertone Hearing, Lunaria Music

 

100

 

100

 

100

 

100

 

100

100%

NC

 

2

On Deck

Sherman Oaks, California

Brad Kime
888-269-4246
More info

Visit Website

2007

$5 million - $10 million

75

350+

90%

L

drinknomsi.com, getthatwholesale.com, iHealthspot, Inc., Jazz at Jacks

 

99

 

100

 

98

 

99

 

100

99.2%
Increased +8

+8

 

3

Credit Card Processing Specialists

Grandville, Michigan

Mike Konig
877-554-5853
More info

Visit Website

2010

$250,000 - $1 million

30

1,000+

98%

M

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

 

99

 

98

 

100

 

98

 

99

98.8%

NC

 
Strong Performers

4

Strategic Merchant Solutions

Westlake Village, California

Matthew Litberg
888-614-6300
More info

Visit Website

2003

$1 million - $3 million

10

1,000+

98%

M

Burke Williams, Cliffside Malibu, Florida Tile, Stonefire Grill, Hilton Hotels

 

97

 

99

 

98

 

100

 

98

98.4%
Increased +4

+4

 

5

Bank Card Systems

Rochelle Park, New Jersey

Tarek Saheli
800-223-8603
More info

Visit Website

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

 

99

 

98

 

100

 

96

97.8%

NC

 

6

Leap Payments

Agoura Hills, California

Will Detterman
800-993-6300
More info

Visit Website

2007

$1 million - $3 million

35

2,500+

99%

L

Best Western Hotels, H&R Block, Buy Direct, Yellow Cab, PetSmart

 

95

 

99

 

97

 

98

 

96

97%
Decreased -2

-2

 
Contenders

7

Rafter J Funding Services

San Angelo, Texas

Stephen F. Williams
855-461-1685
More info

Visit Website

2009

$250,000 - $1 million

10

25

98%

L

Confidential.

 

98

 

97

 

96

 

95

 

97

96.6%

NC

 

8

FlashAdvance

Ft. Lauderdale, Florida

Jack Jannett
888-959-4323
More info

Visit Website

2007

$1 million - $3 million

25+

1,000+

95%

M

Confidential.

 

94

 

97

 

95

 

97

 

95

95.6%
Decreased -2

-2

 

9

Finical Inc.

Oak Park, California

Aaron Nasseh
888-707-7258
More info

Visit Website

2012

Above $10 million

214

1000+

94%

L

Available upon request.

 

96

 

94

 

93

 

96

 

96

95%

NC

 

10

LoanMe

Anaheim, California

Louis Ochoa
844-956-2663
More info

Visit Website

2013

Above $10 million

100

153

94%

H

Confidential.

 

94

 

95

 

94

 

96

 

93

94.4%
Decreased -8

-8

 
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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