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 without the hurdles of traditional loans. The company is committed to delivering financial services that are transparent, quick, and tailored to each business's needs.

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.

Visit Website Get a Free QuoteCall: 877-557-7627
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 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!

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.

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.

Julius the account executive was amazing to work with. He did not give me the runaround like all the other companies I dealt with in the past. He was able to get me the money I needed within 2 business days as promised and the rates and terms of the loan were amazing considering my credit score.

Thank you very much,
Bar Owner (Queens, NY)

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4 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.

5 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.

6 Sure Funding Solutions Operating in the payment processing industry, Sure Payment Solutions offers a range of services for both online and brick-and-mortar businesses. The company provides payment gateways, POS systems, and mobile payment options. It is geared towards making transactions smooth and secure for businesses of all sizes.

Sure Payments really made the difference my business needed!

7 OnDeck
8 First Working Capital Group
9 Kapitus

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

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

10 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!

The Contenders
11 H Capital
12 Business Credit & Capital This company offers specialized financing solutions aimed at helping businesses build and improve their credit scores. It provides a portfolio of financial products, including business loans and merchant cash advances, designed to meet a variety of funding requirements.

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.

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

Works quickly to get deals funded.

Great lender with great programs!

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!

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

14 GoKapital, Inc.
15 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 that was with me every step of the way, from my first call, were knowledgeable and clearly understood my needs. Advanced 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!

Offers more options than any one lender could possibly offer: Construction, Real Estate, Home Based. Not interested in credit cards? No problem.

16 Principis Capital
17 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.

18 BFS Capital
19 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!

20 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 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!

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.

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.

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21 Citi Wide Merchant Funding
22 Ventury Capital

They are a full-service company and offer far more than just a cash advance. However, if that's what you qualify for, then this is the best route. They have Kevin Harrington, the original Shark Tank backer, supporting the company, so they're the real deal in the industry. They operated as 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, seeming to only hire the best people. This has been my experience over the past 2 years.

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

23 Fast Capital 360
24 Lyft Capital

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.

Fast funding, honest agents

25 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.

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