Archive for January, 2016

topcreditcardprocessorscom Announces Recommendations of 30 Top Merchant Cash Advance Services for January …

Sunday, January 31st, 2016

NAPLES, FL–(Marketwired – January 13, 2016) – The independent authority on payment processors,, has named their rankings of the 30 best merchant cash advance services in the payment processing industry for the month of January 2016. Each month the independent research team at reviews the best performing merchant cash advance services and ranks them based on their performance during a rigorous analysis of their provided services. The rankings are published at the start of each month to assist businesses in selecting an effective solution.

The 30 best merchant cash advance services for January 2016 are:

1) Aliant Payment Systems

2) BankCard USA

3) FlashAdvance

4) RedFynn

5) Maverick Capital

6) Credit Card Processing Specialists

7) Yellowstone Capital

8) Rapid Capital Funding

9) Reliant Services Group


11) ForwardLine Financial

12) Merchants Choice Payment Solutions

13) CardPayment Solutions

14) Solupay

15) CardSmart Merchant Services

16) AmeriMerchant

17) ICBA Bancard

18) Advance Funds Network

19) Advanced Merchant Services

20) GDpay

21) Beacon Payments, LLC

22) DCC Merchant Services USA

23) POS Alliance

24) Finical Inc.

25) On Deck

26) Everest Merchant Services

27) Merchant Choice Card Services

28) 1st Merchant Funding

29) Rafter J Funding Services

30) Direct Capital Corporation

Each month the best merchant cash advance services are put through a meticulous evaluation process in order to determine which services produce the best services overall. The process involves an in-depth analysis of best performing companies in areas including efficiency, rates, security, customer support, and calculation methods. Client evaluations of competing merchant cash advance services are contacted in order to obtain their unique inputs and suggestions on the services they have used.

ABOUT is an online producer of independent reviews and ratings. The recommendations of the top credit card processing services are released monthly to assist businesses in connecting with merchant cash advance services which feature a history of effective solutions. Thousands of credit card processing services are put to the test while only the absolute best services are highlighted in the recommendations.

Those interested in applying for the rankings can visit:

Contact Information
Marc Stephens
9045 Strada Stell Ct.
Naples, FL 34109

Copyright Marketwire

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Business Line of Credit: Where to Find Flexible Cash

Saturday, January 30th, 2016

A business line of credit can provide crucial capital for small-business owners and flexibility that a regular loan just doesn’t have.

With a business line of credit, you’re authorized (but not required) to borrow up to a specific amount — say, $10,000 — and pay interest only on the money borrowed. You then draw and repay funds as you wish, as long as you don’t exceed your credit limit. The concept is similar to a business credit card, but getting a cash advance from a credit card is pricier. A line of credit also differs from a traditional small-business loan, in which you receive a lump sum of cash upfront, then repay it over weekly or monthly installments.

Having access to a business line of credit can help you better manage cash flow, handle unexpected expenses, buy inventory, or fund other short-term business needs. Business lines of credit are also typically unsecured debt, which means you won’t have to provide collateral (assets, such as real estate, that can be sold by the lender if you default).

Here are a few of the best options for small-business owners seeking a line of credit, and the qualifications required by each lender.

Best business line of credit for bad credit: Kabbage

Kabbage provides lines of credit from $2,000 to $100,000, with the amount borrowed repaid monthly over a period of six months. This line of credit is a good option for small-business owners who have bad personal credit, as the lender does not require a minimum credit score to qualify. Check out other bad credit business loan options.

Also, Kabbage is one of the few lenders that does not require a personal guarantee, which is a written agreement pledging your personal assets to repay a loan if the business can’t.

Although collateral and a personal guarantee aren’t required, you still need to meet other qualifications, including annual revenue of at least $60,000 and at least one year in business, and you must have a business checking or PayPal account that Kabbage can link to.

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Cash America International Inc (CSH) to Release Earnings on Thursday

Thursday, January 28th, 2016

In other Cash America International news, CFO Thomas A. Bessant, Jr. sold 12,000 shares of the firms stock in a transaction that occurred on Thursday, November 5th. The stock was sold at an average price of $34.21, for a total value of $410,520.00. Following the sale, the chief financial officer now owns 163,312 shares of the companys stock, valued at approximately $5,586,903.52. The transaction was disclosed in a legal filing with the Securities amp; Exchange Commission, which is accessible through this link.

A number of equities research analysts have recently weighed in on the company. Zacks Investment Research downgraded Cash America International from a buy rating to a hold rating in a research note on Tuesday, January 5th. JMP Securities reaffirmed a buy rating on shares of Cash America International in a research note on Saturday, October 31st. Finally, Sterne Agee CRT lowered Cash America International from a buy rating to a neutral rating and set a $30.00 price objective on the stock. in a report on Wednesday, October 21st. One analyst has rated the stock with a sell rating, three have issued a hold rating and three have assigned a buy rating to the companys stock. Cash America International presently has an average rating of Hold and an average price target of $28.43.

Cash America International, Inc. (NYSE:CSH) provides specialty financial services to individuals through its storefront lending and franchised check cashing locations. The Company offers secured non-recourse loans, commonly referred to as pawn loans, as its primary line of business. The Company is also engaged in originating, arranging, guaranteeing or purchasing consumer loans in some of its locations. Cash America also offers check cashing and other ancillary products and services, including money orders, wire transfers, prepaid debit cards and auto insurance. The Companys franchised check cashing business offers check cashing services through its franchised check cashing centers. The Company provides its services in the United States under the names Cash America Pawn, SuperPawn, Cash America Payday Advance, Cashland and Mr. Payroll. As of December 31, 2014, the Company had a total of 859 locations that offered pawn lending and consumer lending in the United States.

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Brokerages Set Cash America International Inc (NYSE:CSH) Price Target at $28.20

Wednesday, January 27th, 2016

Cash America International, Inc. (NYSE:CSH) provides specialty financial services to individuals through its storefront lending and franchised check cashing locations. The Company offers secured non-recourse loans, commonly referred to as pawn loans, as its primary line of business. The Company is also engaged in originating, arranging, guaranteeing or purchasing consumer loans in some of its locations. Cash America also offers check cashing and other ancillary products and services, including money orders, wire transfers, prepaid debit cards and auto insurance. The Companys franchised check cashing business offers check cashing services through its franchised check cashing centers. The Company provides its services in the United States under the names Cash America Pawn, SuperPawn, Cash America Payday Advance, Cashland and Mr. Payroll. As of December 31, 2014, the Company had a total of 859 locations that offered pawn lending and consumer lending in the United States.

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F1: Sauber also asked for cash advance

Tuesday, January 26th, 2016

Sauber followed Force India in asking Bernie Ecclestone for an advance on its Formula 1 championship payments to prevent its rival gaining a competitive advantage, according to Monisha Kaltenborn.

Force India made its request, which is believed to have been accepted, in October with Sauber and Manor following suit when they were made aware of it. The requests require unanimous consent from the other teams before Ecclestone can facilitate them.

We saw some of our competitors had done that and that can give you a direct competitive advantage, Sauber team boss Kaltenborn said. So we felt that when our competitors had done it, it would definitely make our life easier, so thats why we did it. If you can make your liquidity easier, of course it helps the company. We are not in a position where you can say it doesnt matter at all.

Teams receive payments from Formula One Management on a monthly basis based on their historic status and their constructors championship position from the previous season. These are paid from February through to November, leaving a cash shortfall for December and January when key production takes place.

Were approaching a time which is very cost-intensive and where there is no income coming from FOM, which is a major source of income for teams, added Kaltenborn.

When asked if she was confident Sauber would have its request accepted, she said: I dont see why anybody would be against it considering other teams have got it. It would not be a nice thing among teams if suddenly one team says no for no reason.

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Top Merchant Cash Advance Services Ratings Revealed by topcreditcardprocessors …

Tuesday, January 26th, 2016

/ —
NAPLES, FL–(Marketwired – January 08, 2016) – The independent authority on payment processors,, has reported the thirty best merchant cash advance services in the January 2016 edition of the rankings revealed online. Businesses looking for trustworthy merchant cash advance services access the rankings at Each service showcased within the rankings has been put through a thorough evaluation to determine how well they perform compared to industry standards and competitors.

To most adequately assist buyers of payment processing solutions the independent research team at performs a rigorous analysis of experienced and reputable merchant cash advance services. The analysis involves the use of a set of evaluation criteria consisting of five verticals of analysis to benchmark and compare competing services based on their core competencies. The five areas of evaluation include calculation methods, rates, customer support, security, and efficiency.

The 30 top merchant cash advance services for January 2016 are: 

1. Aliant Payment Systems

2. BankCard USA

3. FlashAdvance

4. RedFynn

5. Maverick Capital

6. Credit Card Processing Specialists

7. Yellowstone Capital

8. Rapid Capital Funding

9. Reliant Services Group


11. ForwardLine Financial

12. Merchants Choice Payment Solutions

13. CardPayment Solutions

14. Solupay

15. CardSmart Merchant Services

16. AmeriMerchant

17. ICBA Bancard

18. Advance Funds Network

19. Advanced Merchant Services

20. GDpay

21. Beacon Payments, LLC

22. DCC Merchant Services USA

23. POS Alliance

24. Finical Inc.

25. On Deck

26. Everest Merchant Services

27. Merchant Choice Card Services

28. 1st Merchant Funding

29. Rafter J Funding Services

30. Direct Capital Corporation

ABOUT is a provider of credit card processing research. The key ambition of is to identify and announce those individuals or services supplying best credit card processing solutions available. Merchant cash advance services are put through a meticulous analysis to ensure the recommendations contain the absolute best services the credit card processing industry has to offer.

Those interested in applying for the rankings can visit:

Contact Information

Marc Stephens
9045 Strada Stell Ct.
Naples, FL 34109

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2 Friends Lost God, Found Riches in Cash Advance Business

Monday, January 25th, 2016

Abe Zeines and Meir Hurwitz grew up in a religious Brooklyn neighborhood, ditched the religion, met in community college and found wealth together in the merchant cash advance business. Their customers, who were small business owners, paid dearly for this novel (at the time) form of obtaining money to run a business. The word loan was scrupulously avoided by the cash advance companies in their dealings with them and the public.

With a pound of lox as a housewarming gift, Ive come to their tax-haven sex mansion to hear their improbable storyhow two sons of an ultrareligious Jewish neighborhood in Brooklyn witnessed the birth of a new kind of lending, made a fortune, and then saw it all come to an end. Not in the form of an FBI raid, but with Wall Street bankers paying millions to take over the action.

Zeines and Hurwitz made their money in a field thats now called merchant cash advance. Its a legal way to lend money to small businesses at interest rates higher than Mafia loan sharks once charged. Completely unregulated, last year it surpassed the US Small Business Administration as a source of loans for less than $150,000, according to the industry newsletter DeBanked, one of the few places with reliable information. The business was developed a decade ago in a boiler room full of ex-Lubavitcher Jewish teenagers in downtown Manhattan. They figured out how to hook people such as florists and pizzeria owners with promises of fast cash and discovered just how ridiculous the profits could beeven if it meant driving their borrowers into bankruptcy. Zeke Faux, BloombergBusiness

Why was the word loan avoided, which added considerably to the confusion of business owners? Because of US usury laws. As long as nobody uses the word loan, it [merchant cash advance] usually holds up in court, says Robert Cook, a lawyer who advises the industry. [BloombergBusiness]

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Cash King Robbed at Gunpoint

Monday, January 25th, 2016

Meridian police were called to Cash King at 9:35 Wednesday morning on Old Highway 45 North for the report of an armed robbery. But when they arrived, the suspect had gotten away with cash.

Officers got there on the scene pretty quick. The clerk said that a black male wearing a dark-colored black or blue hoodie had come in with a gun and had robbed her of the cash there at the store, Lt. John Griffith says.

Although 9:35 am isnt the usual time for a robbery, Lt. Griffith says the time he picked may have been the most opportune.

Investigators say the clerk had just returned from the bank and had cash on hand when the suspect followed her inside. But they cant be certain whether his timing was planned out beforehand.

Not sure at this point, theyre still young in the investigation, but it looks to that, Lt. Griffith says. Either that or just a moment where he knew he had the opportunity.

Its not the first time a cash loan place has been robbed. Lt. Griffith says different stores have different levels of security or money, but its the knowledge that cash is there that keeps criminals coming.

The biggest draw to it is the cash on hand, he says. Theyre a check cashing place so theyre going to have the cash on hand. We try to keep close observation on them as much as we can.

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Namibians’ Debt Headache

Sunday, January 24th, 2016

Generally, most people live beyond their means and end up buying or spending much more than what their budgets allow – resulting in increasing debt – no wonder it is called the January blues, she said.

Live according to what your means allow, finance minister Calle Schlettwein advised yesterday.

His advice comes in the face of broke Namibians resorting to borrowing from loan sharks and cash loan companies – as is the custom in January to survive until their next pay day.

The illusive abundance which Christmas bonuses give rise to, has seen many embark on never-ending shopping sprees and for many spending the holiday at the coast.

This has left many Namibians in financial dire straits as they overspend during the festive season that they have no idea how they will cope until the end of January.

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Fighting the debt trap of triple-digit interest rate payday loans

Sunday, January 24th, 2016

Chasing the Dream: Poverty and Opportunity in America is a multi-platform public media initiative that provides a deeper understanding of the impact of poverty on American society. Major funding for this initiative is provided by The JPB Foundation. Additional funding is provided by Ford Foundation.

GWEN IFILL: Payday lending is a $46 billion industry in the US About 12 million Americans borrow more than $7 billion annually from over 22,000 storefronts.

But the industrys practices have long been under scrutiny.

Special correspondent Andrew Schmertz has the story from South Dakota, part of our ongoing reporting initiative Chasing the Dream: Poverty and Opportunity in America.

ANDREW SCHMERTZ: Living paycheck to paycheck isnt easy. Sometimes, you have to come up with creative ways to relieve the stress.

KRISTI MCLAUGHLIN, Wife of TJ McLaughlin: A good way to just live in denial is just throw away your bills. I know I cant pay them anyway, so

ANDREW SCHMERTZ: Kristi McLaughlin and her husband, TJ, were getting by on TJs salary as a manufacturing plant manager here in Sioux Falls, South Dakota, that was, until TJ got sick.

TJ MCLAUGHLIN, Borrower: I was working the night shift, and I was on my feet a lot. And I had a couple of wounds start developing on my leg. And they were pretty small at first, and then they got infected and just started growing.

ANDREW SCHMERTZ: When TJ went to get treatment, the doctor said it would only take a day, but, in fact, he ended up missing a whole week of work.

TJ MCLAUGHLIN: They ended up docking my pay. We ended up being short on bills. I panicked, so

ANDREW SCHMERTZ: So McLaughlin came here, a title loan place just a few miles from his home. He says the process was simple and quick. They inspected his car and then handed him $1,200 in cash. He agreed to pay $322 a month for a year.

TJ MCLAUGHLIN: I was making good money. I didnt really foresee a problem paying it back at that time.

ANDREW SCHMERTZ: But then his leg got worse, and he had to go back to the hospital for another week.

KRISTI MCLAUGHLIN: And on Wednesday of the following week, the HR person called from his job and fired him, and, on that day, we pretty much lost everything.

ANDREW SCHMERTZ: But not the loan. After nine months, the total amount they owed grew from $1,200 to over $3,000. Thats an annual interest rate of more than 300 percent.

Title loans and payday loans are supposed to be short-term quick fixes for people who cant get traditional credit.

ACTRESS: Do you need fast cash? You have come to the right place.

ANDREW SCHMERTZ: They use high-energy commercials and bank-like storefronts to entice people to borrow money at triple-digit interest rates. The problem? They are rarely short-term. Borrowers frequently need to take out a second loan to pay off the first one. Its called flipping.

STEVE HICKEY, (R) Former South Dakota State Legislator: The average payday loan in the United States is flipped eight times. And they are a debt trap thats intentionally marketed to the financially unsophisticated, intending to lock them in on something that they cant pay back.

ANDREW SCHMERTZ: Former state lawmaker Steve Hickey tried to rein in the industry, which charges an average of 574 percent, with legislation to cap interest rates. But he could never get his bills out of committee.

STEVE HICKEY: Just not much stomach in the legislature, because the financial sector in our state is such a huge deal. Theres millions and millions at stake.

ANDREW SCHMERTZ: South Dakota has been the epicenter of high interest since the 1980s, when the state repealed laws capping rates to attract jobs from credit card companies like Wells Fargo and Citibank.

STEVE HICKEY: The purpose at that time was to bring in 400 Citibank jobs, not to bring in 400 percent interest rates.

ANDREW SCHMERTZ: Hickey wasnt alone in recognizing the problems created by these short-term loans.

Steve Hildebrand runs Josiahs coffee shop here in Sioux Falls. Hes seen the detrimental effects of these high interest rates firsthand.

STEVE HILDEBRAND, South Dakotans for Responsible Lending: I have had employee after employee after employee over the last three years in the coffee shop, going through horrible, horrible financial experiences, taking out these emergency loans, and just getting into this terrible cycle of debt that is incredibly hard for them to get out of.

ANDREW SCHMERTZ: Hildebrand, an openly gay Democrat who worked on the Obama campaign, didnt have much in common with Hickey, a Republican and conservative Christian pastor who has railed against homosexuality, but they did see eye to eye on what they consider predatory lending.

STEVE HICKEY: We created a campaign called South Dakotans for Responsible Lending. Steve and I are chair and co-chair. Its brought people on the right and the left together in a very healthy way.

ANDREW SCHMERTZ: They decided to use a tactic that was born right here in the Mount Rushmore state in 1898, the ballot initiative.

REYNOLD NESIBA: And youre registered to vote in South Dakota?


ANDREW SCHMERTZ: Reynold Nesiba is a volunteer gathering signatures to put a measure on the ballot that would do what lawmakers could not: cap interest rates on all loans at 36 percent.

REYNOLD NESIBA: And I feel so strongly about this that Im the treasurer of this campaign, so thats my name on the bottom. If youre registered to vote, I would love to have your signature.

ANDREW SCHMERTZ: The goal? To get well more than the 13,871 signatures required to put the issue in front of voters next November. With millions of dollars in revenue at stake, the lending industry is strongly opposed to any new regulation.

Two-thirds of US states allow some form of high-interest-rate loans, and when similar initiatives have sprung up in other states, the industry has fought back. Here in South Dakota, the lending industry is fighting back using a ballot initiative itself.

STEVE HILDEBRAND: They were putting forward an 18 percent rate cap in order to convince people they should sign that one, instead of the 36, because 18 sounds better than 36, right?

ANDREW SCHMERTZ: By that initiative comes with a catch. It only caps rates at 18 percent quote unless the borrower agrees to another rate in writing, meaning if the borrower wants the loan, they have to agree to whatever terms the lender demands.

STEVE HILDEBRAND: So, the 18 percent rate cap is just a fake cap.

ANDREW SCHMERTZ: Teams of paid circulators have been out across the state gathering signatures for that petition. None were willing to speak with us on camera, and repeated requests for comment went unanswered.

When asked about capping rates at 36 percent, the one payday lender who did speak with us was unequivocal.

CHUCK BRENNAN, CEO, Dollar Loan Center: Its a kill-bill for the state. The entire lending industry would be out of business with it.

ANDREW SCHMERTZ: Chuck Brennan, a Sioux Falls native, is the founder and CEO of Dollar Loan Center, a chain of more than 90 short-term lending stores, with 11 locations in South Dakota.

CHUCK BRENNAN: We have a huge customer base. In South Dakota, we have had over 40,000 applicants for loans over the years. Over 20 percent of the state who is over 18 has applied for a loan here, which really shows theres a need for the product out there.

ANDREW SCHMERTZ: Further, Brennan says a rate cap will actually harm the people it is intended to help.

CHUCK BRENNAN: It isnt like when the industry goes out of business people are going to stop needing money. Theyre going to have to turn to online loans, illegal sources, and something that the state cant regulate.

ANDREW SCHMERTZ: But Hickey says, in reality, there are plenty of ways to help people who need money without charging them triple-digit interest.

STEVE HICKEY: As an employer with employees, I would give a payday advance. I know Steve Hildebrand does at his coffee shop. He will lend somebody money on their paycheck at zero percent interest, and maybe there could even be regulation on that. Four times a year, its an employee benefit.

ANDREW SCHMERTZ: After months of hard work, the campaign gathered over 20,000 signatures for Hildebrand to deliver to the secretary of state. But the opposing lender-supported campaign also managed to gather enough signatures to get on the ballot.

STEVE HILDEBRAND: The payday lenders are going to spend millions of dollars on television trying to confuse voters and misrepresent our side.

ANDREW SCHMERTZ: So, the fights not over. Hildebrand has one year to convince South Dakotans to vote for his interest rate cap. In the meantime, TJ ended up losing his fight to save his leg. It was amputated six months after he lost his job.

KRISTI MCLAUGHLIN: It needs to go at least to there.

ANDREW SCHMERTZ: TJ and Kristi are now focused on rehab, instead of the title loan.

KRISTI MCLAUGHLIN: I told them to come and get the car. Take it. You know, our world has fallen out from underneath us, and if you want it that badly, come and get it.

ANDREW SCHMERTZ: Over Thanksgiving, the lender repossessed their car.

TJ MCLAUGHLIN: People get sick. And, you know, if its serious enough, they can lose everything. We lost everything in a matter of a week, it seems like.

ANDREW SCHMERTZ: TJ and Kristi may have to find their way out of this devastation on their own. But they hope, by speaking out, they can at least save other South Dakotans from becoming trapped in a nightmare of high interest rates.

For the PBS NewsHour, Andrew Schmertz in Sioux Falls, South Dakota.

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