CashCall, Inc. is an online nationwide lender founded in 2000 and based in Orange, California. The company offers unsecured loans up to $250,000 with terms up to 10 years to small business owners with fixed monthly payments and access to funds within one day. The company has received numerous filed consumer complaints with the Better Business Bureau and government actions in several states for charging excess interest rates and other alleged predatory lending practices.

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Typical Borrowers

Typical borrowers through CashCall are sole proprietors with less than perfect credit who are unable to obtain a loan through traditional banking institutions. The company assists these types of borrowers to help reestablish their credit through long-term loans. It is also suitable for small business owners who need fast access to working capital. CashCall Small Business works with all credit types and has fewer application requirements for funding than many other online lenders. Borrowers must be operating for-profit in order to qualify for a small business loan.

Best Uses

Small business loans from CashCall are typically used for inventory purchases, system upgrades, and marketing.

Minimum Qualifications

  • Two Months of Business Income
  • Credit Score of 500 or More
  • For-Profit Company with Business Bank Account
  • Personal Guarantee

The Good

Pros of CashCall Small Business Loans

  • Fast Approval
  • Receive Funds within 24 Hours
  • Limited Documentation Required
  • Fixed Interest Rates
  • No Upfront Costs
  • No Prepayment Penalty

Transparent Application Requirements

CashCall has limited application requirements for securing a small business loan, which helps make the process a whole lot easier. Applicants fill out an online form that only takes minutes to complete, and can receive funding in their business bank accounts in less than a day. Borrowers must have a minimum 500 credit score, personal collateral, and two months of business revenue in order to obtain a loan. Full details on how the funding process works can be found on the company’s website.

Online Loan Overview and Rates

The company discloses various lending scenarios on its website to show consumers various factors involved in obtaining a small business loan. Borrowers can see what the monthly payments and interest rates would be based on the loan amount and term length.

The Bad

Low Amounts of Capital

Small business owners are only able to apply for funding up to $50,000, which may not be enough for many business types. Many other online lenders are able to secure loans up to $1 million or more; however, these companies have higher standards regarding credit history and business income.

High-Interest Rates

Interest rates for small business loans range from 24 to 149 percent and origination fees range from 5 to 10 percent with a minimum $500. Borrowers must also meet strict underwriting guidelines for credit approval.

Negative Customer Feedback

The company has received a number of filed complaints with the Better Business Bureau and governmental actions in regards to its lending practices, high-interest rates, and other excess fees. In 2013, the Consumer Financial Protection Bureau took action against the company for taking money from consumer accounts for loans that were void. The investigation revealed the company violated licensing requirements in eight states.

The Bottom Line

CashCall Small Business is best suited for entrepreneurs with less than perfect credit or in need of fast working capital. The company has minimal application requirements and can help small business owners build business credit; however, it has received numerous complaints regarding high-interest rates and other dubious lending practices.

Frequently Asked Questions

How long will it take to receive funds from CashCall?

The company is able to transfer funds to a business bank account within 24 hours.

Does CashCall require collateral with its loans?

The company requires only personal collateral in order to receive a loan.

Does CashCall have prepayment penalties?

The company does not have any prepayment penalties.

Does CashCall charge origination fees?

The company charges origination fees ranging from 5 to 10 percent with a minimum of $500.

Does CashCall charge closing fees?

The company does not charge a closing fee.

How can I contact CashCall?

Consumers may contact the company by phone at 1-888-960-6979.

More Information

Types of Loans Offered

Unsecured Loans up to $250,000

Rates Offered


Term Lengths

2–10-year terms

The Borrowing Process

Small business owners must complete an online application for pre-approval. To secure the loan, borrowers will be asked to submit personal collateral and show proof of at least two months of business revenue. Borrowers choose from several available loan options and submit a voided check, bank statements, and a copy of personal identification by email to the company to complete the approval process. Once approved, funding is transferred to the applicant’s business bank account within 24 hours.

How to Apply

Small business owners complete a short online application and receive an approval decision in a few minutes. Once approved, funds are transferred to a business bank account within 24 hours. In order to be approved, the business must be operating for profit with at least two months of earned revenue. Small business owners will also be asked to submit personal collateral in order to secure the loan. Only businesses that are operating on a for-profit basis will be approved for funding through CashCall Small Business.

Borrowers are able to choose from several available loan options and select the choice that it’s right for their unique situation. Small business owners make payments monthly with fixed interest rates and no penalty for paying the loan off early. The company also helps borrowers rebuild poor credit. Company representatives are available by phone to answer any potential questions that may arise throughout the entire process.

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