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Merchant Cash Advance Reviews

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  • Excel Capital

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    Excel Capital is an online lender offering unsecured business loans, business lines of credit, and other similar financial products. Its rates on unsecured business loans are reasonable but the line of credit fee structure can pile up the costs. Excel is not the most transparent lender.


    Minimum Time in Business:
    Less than 1 year
    Required Annual Revenue:
    $100,000+


    Borrowing Amount:
    Less than $50,000 up to $1,000,000+
    Minimum Time to Funding:
    1 day

  • National Business Capital

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    National Business Capital (NBC) is a lending-advisory service that links small business applicants to one of its 75+ lending affiliates. It is suitable for startups, new, and mature-but-credit-challenged businesses. Be cautious that you’re unlikely to get the absolute best rates.


    Required Annual Revenue:
    $100,000+


    Borrowing Amount:
    Less than $50,000 up to $1,000,000+
    Minimum Time to Funding:
    1 day

  • Biz2Credit

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    Biz2Credit is an alternative lending platform that offers multiple types of financing to small businesses. Biz2Credit is a viable option for many young businesses. It has relaxed borrower requirements but potentially expensive terms and fees.


    Minimum Time in Business:
    1-2 years
    Credit Score:
    550+


    Borrowing Amount:
    Less than $50,000 up to $100,000
    Minimum Time to Funding:
    1 week or less

  • Reliant Funding

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    Reliant Funding is an alternative business funder that provides short-term loans and merchant cash advances (MCAs). There is no credit rating requirement to access its loans. Be cautious of Reliant’s transparency regarding its terms and fees.


    Minimum Time in Business:
    1-2 years
    Required Annual Revenue:
    $100,000+


    Borrowing Amount:
    Less than $50,000 up to $1,000,000

  • Wellen Capital

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    Wellen Capital — formerly known as Gibraltar Capital Advance until 2018 — is an Illinois-based merchant cash advance (MCA) alternative funder. Be cautious that their longer-term arrangements can get you bogged down in monthly fees, but depending on your circumstances the math might work out for you.

  • 1st Global Capital

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    Note: 1st Global Capital is no longer originating cash advances. Take a look at our filterable business loan reviews to learn about other funding options that might work for your small business. Pros 2-7 days time to funding Good customer service Cons High origination fee Opaque terms and fees Overview 1st Global Capital is a Florida-based merchant cash […]

  • Cashbloom

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    Cashbloom is an alternative business funder offering short-term working capital in the form of loans and merchant cash advances. ffers high rates, but is unusually flexible with regard to whom they’ll fund. Despite their high rates, it has flexible credit score requirements and lends to new businesses.


    Minimum Time in Business:
    Less than 1 year
    Required Annual Revenue:
    $100,000+


    Borrowing Amount:
    Less than $50,000 up to $1,000,000
    Minimum Time to Funding:
    1 day

  • In Advance Capital

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    In Advance Capital is a relative newcomer to an increasingly crowded and volatile sector of the financial industry. The company’s strategy appears to be focused on reaching out to riskier businesses in exchange for slightly-higher-than-average factor rates.

  • LoanBuilder

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    LoanBuilder is a small business loan service offered by PayPal. LoanBuilder stands out with flexible terms, low borrower requirements & relatively inexpensive loans. It may be ideal if your business needs a short-term infusion of capital.


    Minimum Time in Business:
    Less than 1 year
    Credit Score:
    550+
    Required Annual Revenue:
    Less than $100,000


    Borrowing Amount:
    Less than $50,000 up to $1,000,000
    Minimum Time to Funding:
    1 day

  • Green Capital

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    Note: Green Capital is no longer in operation. Take a look at our filterable business loan reviews to learn about other funding options that might work for your small business. Pros 2-7 days time to funding Relaxed credit score qualifications Cons Opaque terms and fees High factor rates Overview Green Capital is a New Jersey-based […]

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The vendors that appear on this list were chosen by subject matter experts on the basis of product quality, wide usage and availability, and positive reputation.

Merchant Maverick’s ratings are editorial in nature, and are not aggregated from user reviews. Each staff reviewer at Merchant Maverick is a subject matter expert with experience researching, testing, and evaluating small business software and services. The rating of this company or service is based on the author’s expert opinion and analysis of the product, and assessed and seconded by another subject matter expert on staff before publication. Merchant Maverick’s ratings are not influenced by affiliate partnerships.

Our unbiased reviews and content are supported in part by affiliate partnerships, and we adhere to strict guidelines to preserve editorial integrity. The editorial content on this page is not provided by any of the companies mentioned and has not been reviewed, approved or otherwise endorsed by any of these entities. Opinions expressed here are author’s alone.

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