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 Merchant Cash and Capital Merchant Cash and Capital

The process was fast, precise and just what we needed. Thanks, just what we needed when we needed it most!

Great experience and would recommend this company very highly!

Justin Shelansky and Avi Koplowitz were very professional. Thank you.

V 1 CommentVisit Website Get qualified in 30 seconds!9Call: (844) 688-0159
2 Bizfi 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.

Visit Website9
3 United Capital Source 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 Website9
4 AdvantEdge Corp.

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.

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)

V 2 Comments Visit Website9
5 Fastpoint Fastpoint Visit Website9
6 Sure Payment Solutions Sure Payment Solutions

Sure Payments really made the difference my business needed!

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7 Merchants Advance Network 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.

MAN funded me 2 Days after hurricane Sandy hit. I was the only business open serving food to the workers after the tragedy. Thank you MAN for believing in me. I've done 6 more fundings since!

V 7 Comments Visit Website9
8 Business Credit & Capital 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!

BCC - great experience working with these folks, great custome service.

V 1 Comment Visit Website9
9 RapidAdvance RapidAdvance 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

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10 American Finance Solutions American Finance Solutions

Love the fact that they are a licensed lender and direct funding source. When my bank said no, they got me the $27,000 I needed and in under 4 business days!

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The Contenders

11 1stAdvance 1stAdvance
12 Strategic Funding Source, Inc.

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

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

V 1 Comment
13 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

14 1st Working Capital Group
15 Principis Capital
16 H Capital

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

17 OnDeck
18 Merchant Resources International

I have worked with 3 other business cash advance lenders, and merchant resources has been the best by far, I don't even have to call them to renew, they call me!

Their helpful sales agent provided me with a better quote than the other two companies had offered me. I received $25K in 10 days, I'm highly satisfied

They got my advance done in 7 days at 1/2 the coat of the competitors.

I have referred 4 business owners since.

19 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.

They were so helpful and super honest

V 18 Comments
20 Rapid Capital Funding

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!

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List Stats

300 votes
46 listings
7 years, 136 days old

Top Remixes (7)

1. United Capital Source
2. Merchant Cash and Capital
3. American Finance Solutions
1. Business Credit & Capital
2. Merchant Cash and Capital
3. AdvantEdge Corp.
1. United Capital Source
2. Merchant Cash and Capital
3. AdvanceMe, Inc.

View All 7


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