Top 10 Best Merchant Cash Advance Companies

Unable to get approved for traditional financing or unwilling to deal with the hassles of a long approval process, stacks of paperwork, guarantees and collateral, and fixed monthly payments, many business owners are turning to merchant cash advance loans as a means of raising capital for their company.

A merchant cash advance loan works by paying business owners in advance for a percentage of future sales. The advance is then paid back over time in the form of a small, fixed percentage of the business' credit card transactions so the repay is more flexible and based on cash flow.

Merchant advances help business owners get the cash they need for equipment, services, inventory, settling past debts and just about anything they need to grow their business and these are the top 10 best resources for getting a merchant cash advance for your business needs.
The Top Ten
1 Snap Advances Snap Advances is a financial services company that provides working capital solutions to small and medium-sized businesses. Offering merchant cash advances, the company focuses on providing fast, flexible funding options. Snap Advances aims to help businesses grow by offering accessible capital solutions... read more

I've worked with Snap Advances a few times over the past five years. They are a great company to work with. They are honest, friendly, and seem to really care about your business. They are upfront about their rates and get your money to you fast.

Visit Website Get a Free QuoteCall: 877-557-7627
2 AdvantEdge Corp

So after getting bombarded with about 10 calls a day or more, and telling everyone that I am not interested and to stop calling, a call from Nate really stuck out. He apologized right away for interrupting my day and went on to explain that he does not only provide merchant cash advances (which I already had), but that they also provide clients like myself with SBA loans as well as term loans.

After completing an application over the phone and answering some brief questions, I was deemed pre-approved for the term loan program that had a rate of 9.49% over a 5-year term. They also consolidated two of my daily advances, which took away about $12,000 a month and really helped my cash flow.

Thank you so much, Nate and team! You really helped us kick off the new year!

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3 United Capital Source We're proud to have provided more than $500 million in small business loans to thousands of businesses from a wide range of industries. As banks continue to make it hard for small businesses to source business funding quickly, we continue to provide the cash small business owners need to operate their... read more Visit Website
4 Rapid Finance RapidAdvance is a technology-powered financial services company that provides working capital to small and mid-sized businesses in the United States.

Rapid Advance is a leader in the alternative financing industry and has the working capital and proven track record to help your business grow.

Excellent company. Easy to work with.

5 OnDeck
6 Kapitus

Clearly the best option for us. Fast, flexible, good terms, excellent customer service.

Solid team, great rates, best customer service in the industry!

7 Fora Financial

The people at Fora are great. From customer service to sales to underwriting, it's been a seamless experience for me, and I could not recommend them enough.

Worked great for my pizza shop. It was a really easy way to get the money I needed to update some equipment.

8 GoKapital
9 Advance Funds Network

Very easy to work with. They explained the lending process and walked me through the details. The whole experience allowed me to keep my focus on my business where it's most needed. Thanks for all the help.

The friendly staff was with me every step of the way, from my first call. They were knowledgeable and clearly understood my needs. Advance Funds is upfront and trustworthy.

These guys just seem to really care about small business owners. What they said they would do was done in a timely and professional manner. I would highly recommend them!

10 Credibly

Retail Capital knows that they make the most money when the small business owners they fund are happy. They're very helpful to entrepreneurs like us!

Retail Capital knows that they make the most money by truly helping small business owners.

The Contenders
11 American Stimulus Funding

Great group! I have done 5 deals with Michael, and each time it's been great.

Zach, Reggie, and Matt are great as well.

12 Bizfi A financial technology company, Bizfi offers an online platform for business financing solutions. It provides a range of funding options such as term loans, lines of credit, and merchant cash advances. Bizfi emphasizes ease of use and aims to streamline the funding process for businesses.

Need capital? These guys rock!

I've had the pleasure of working with Bizfi for almost a year now. Their staff is responsive, and they do what they say they can do. Their help this year has helped my company afford some pretty big payments, such as insurance and taxes, when they were due. As a result, our sales have increased.

Their help came at just the right time to keep my business healthy and growing! Would recommend them to anyone!

Awesome team! Fast service! The team of Justin and Giancarlo was super fast, effective, and professional when handling our app and getting us the cash we needed.

13 CitiWide Merchant Funding
14 Fast Capital 360
15 Lyft Capital

Great company. These guys are straightforward, no BS. They work at a rapid pace and provide the capital that I need in a timely fashion.

16 Z&R Funding

Got funded fast with minimal paperwork, thanks.

17 Power Funding

The Power Funding Solutions are amazing. Very down-to-earth staff. You will feel like you have a friend getting capital when you need it. Easy people to talk to and work with!

18 MCA Merchant Advance Also in the realm of alternative business financing, Merchant Advance Express focuses on providing cash advances and short-term loans. It is designed to offer quick approval and funding, targeting businesses in need of immediate capital. The company stresses flexibility and speed in its service offerings... read more

Simple six-month terms, lines of credit up to $100,000, no application fees, and no other fees until you draw against your line. Merchant Advance Express is an A+ rated BBB Accredited business that has provided services to over 100,000 businesses.

Merchant Advance Express is the most professional and best customer service finance company in the business!

Great experience. Quick, simple, and professional staff to deal with. Had money in 48 hours.

19 Fundomate

All paper accepted. One Credit pull. 20 Direct Lenders. One Application. No Broker Fees! Wow!

20 VitalCap Fund
21 Clarify Capital
22 Versatile Merchant Solutions
23 One Park Financial

One Park Financial is a business funding marketplace that has been in operation since 2010. It has partnered with over 20 top funders across the nation to help owners of small to mid-size businesses access funds to meet their business goals as quickly and as easily as possible. In particular, One Park Financial focuses on serving business owners who might not easily qualify for a traditional business loan.

Nearly all businesses, even those with a less-than-perfect credit history, can be pre-approved within minutes. After accepting an offer, they receive funds within days.

Min funding Amount: $5,000
Max funding Amount: $750,000
Pre-approval within minutes
Funding Time: 1 to 3 business days
Minimum Years In Business: 3 months
Minimum Revenue: $2,500
Minimum Credit Score: 450

24 CMS Funding
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