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 Best Merchant Cash Advance Companies

1 Snap Advances

I've worked with Snap Advances a few times over the past 5 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.

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2 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 more. Visit Website
3 Kabbage

Kabbage is the friendliest of the Merchant Cash Advance places. No pressure. They seem to really care about your business. I've been watching these guys since they first started doing advances with PayPal driven businesses, and they are solid. - ignoble

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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.

RapidAdvance 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 First Working Capital Group
7 Sure Funding Solutions

Sure Payments really made the difference my business needed!

8 Merchants Advance Network

Business owner for 12 years. I can't tell you how much of a relief it has been finding the capital I need with out the hassle and bs from conventional lending institutions. The candid, straight forward and punctual service I always receive is truly second to none. Finally found a place where a business relationship is valued.

I get a lot of calls about funding. Merchants Advance Network presented me with multiple options and let me choose. Would recommend them to everyone. Thanks again!

Hardware store over for 20 years been using MAN for 4 years. My sales are up 200% and I'm never charged hidden broker fees. Straight shooters from start to finish.

"So many options to choose from" Very helpful throughout the entire process"

9 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 as 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 2 of my daily advances which took away about 12,000 a month which really helped my cash flow.

Thank you so much Nate and Team!

You really helped us kick off the New Year!

After years of working with different companies and going through broker after broker these guys called me up one day and offered to compete for my business. Best financing decision I ever made. The broker I work with is completely transparent with me and never over promises like a lot of other people in this industry. Very happy with my choice to work with them.

They really helped me out with my business. I was declined from so many companies but took their time and actually funded me and I saved my business.

These guys reached out to me when I needed money quickly to keep a big project afloat. The two guys I worked with were amazing. They answered my calls on their cell after hours when their office was closed so they could work on my file to be underwriten and funded as soon as possible when everyone else was turning me down. They're an amazing company, and I can't say enough good things about them.

10 Kapitus

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

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

Easy and painless

The Contenders

11 Fora Financial

The people at Fora are great. From customer service, 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.

Easy, quick, painless process!

12 Bambu Finance

These people are really friendly, they will hold your hand every step of the way. They are upfront, no hidden charges as I was looking for. I've had last minute changes that make me be a little skeptical about these type of companies out there, but they showed me the right way and I will be working with them as long as they have the same people and same process...

Very efficient and very professional.

Great Company! Simply the Best!

13 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! - jacklang

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

14 Business Credit & Capital

BCC is a direct lender with various programs based on the situation of each individual merchant. We pay our referral partners the highest commissions in the industry.

Works quickly to get deals funded

Great lender with great programs!

Excellent customer service here.
Prices are great. People are very nice to work with.
Thank you

15 H Capital

The best rates in the industry with their payoff plan and the fastest funding out off all of the other companys

16 Yellowstone Capital

The best place ever

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17 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 its most needed. Thanks for all the help.

Friendly staff that was with me every step of the way. From my first call they were knowledgeable and clearly understood my needs. Advanced Funds is upfront and trustworthy.

Understood my needs and were able to get deal done with a great rate and without any fuss.

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!

18 American Stimulus Funding

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

Zach, Reggie, Matt are great as well.

Approved and funded in 48 hours. Worked with Bob Delorenzo.

19 LendC
20 GoKapital, Inc.
21 Principis Capital
22 My Factoring Network
23 Smart Business Friend, Inc.

Down to earth and gets the job done without all the hassles or the obstacles. They have numerous programs that will fit your company's goal.

A good experience, gets the job done!

24 BFS Capital
25 Cashbloom

My experience with Advance Capital has been really good. Unlike other companies I called, this one helped me get ready financially for the holiday season. I was offered multiple options and was able to choose the one that fits my needs best. I highly recommend them.

I have been a customer of advantage capitol funds for almost 5 years and I just took my 11th loan. I called my renewal manager and received the additional funds the very next day. I Couldn't be any happier!

26 Bizfi

Need Capital? These guy's 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 (insurance and taxes), when they were due and our sales have increased as result. Their help came at just the right time to keep my business healthy and growing!

Would recommend them to anyone!

Simply the best company ever. Had an amazing sales growth due to there cash advance... Wow... Will recommend them to everyone I know...

These guys are the best.

Awesome team! Fast service!

The team of Justin and Giancarlo were super fast, effective, and professional when handling our app and getting us the cash we need.

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27 Citi Wide Merchant Funding
28 Ventury Capital

They are full service and offer far more than a cash advance, but if that's what you qualify for then this is the best route. They have Kevin Harrington, original shark tank backing the company so they're the real deal in the industry. They were formally Bentley Capital Ventures for years and ran a solid operation, today they are nationwide and reaching out to a wide array of business owners. They're ethical and efficient, they seem to only hire the best people, from my experience over 2 years.

I love seeing this company on here! We have worked with them for years when they were Bentley, now they brought on some big investors and they do B2R and more than just short term, daily loans. They're professional and as said below, ethical.

29 Fast Capital 360
30 Lyft Capital

Fast funding, honest agents

Great company, these guys are straight forward, no BS. they work at a rapid pace and provide the capital that I needed on a timely fashion.

31 Float Funding

Great company to work with. They're up and coming and work well in explaining a Merchant Cash Advance. They're quick and reliable.

32 Biz4Loans is one of the best loan provider ever! This is a place where one can get loan on the fingertips without any hassle. I was struggling for Merchant Cash Advance loan and I found Biz4loans. I applied for loan and they provided Merchant Cash Advance within 4 days. They are very nice, and helpful they were fast and easy on closing my business loan.

Great Job and Keep Helping Other Business!

Thanks Biz4loans! - TedJohns

33 Capital Float

Capital Float provides customized Merchant Cash Advance loans against card swipes to small and medium sized merchants and shopkeepers in India.

34 WeFund Capital

The process was simple with no hassle. They did exactly what they said they would do. The tools for my plumbing company are now purchased and my business can continue to grow. Thank you James and thank you Wefund!

35 Z&R Funding, LLC

Got funded fast with minimal paperwork thanks

36 GSP Capital

Excellent customer service here.

37 Power Funding LLC

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!

38 Happy Rock Merchant Solutions

They are the best very good fair people

39 Merchant Advance Express

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

Simple 6 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.

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

Very Fast & Professional. I recommend them for all your business funding needs!

40 Fundomate

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

41 Merchant Cash USA

Merchant cash advance offer funds to businesses in exchange for a percentage of the businesses daily credit card income, straight from the processor that clears and settles the credit card payment. - emmawatson009

42 VitalCap Fund
43 Americo Funding
44 Clarify Capital
45 Versatile Merchant Solutions
46 One Park Financial

One Park Financial is a business funding marketplace that's been in operation since 2010. One Park Financial 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 and, after accepting an offer, 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

47 CMS Funding
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