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LAST UPDATED: May 17th, 2022

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 ten years to small business owners with fixed monthly payments and access to funds within one day. Government actions in several states for charging excess interest rates and other alleged predatory lending practices.

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. Consumers who choose CashCall, Inc. should remember that they must have a credit score of 550 or higher.
Small business loans from CashCall are typically used for inventory purchases, system upgrades, and marketing.

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The Good

  • Transparent Requirements
  • Online Loan Overview and Rates
  • Other Benefits

Transparent Requirements

CashCall has limited application requirements for securing a small business loan, which helps make the process 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.

Other Benefits

Other benefits of CashCall include:

  • Fast approval
  • Receive funds within 24 hours
  • Limited documentation required
  • Fixed interest rates
  • No upfront costs
  • No prepayment penalty

The Bad

  • Low Amounts of Capital
  • High Interest Rates
  • Negative Customer Feedback

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 $250,000; 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 of $500. Borrowers must also meet strict underwriting guidelines for credit approval. These interest rates and fees can add up to cost a great deal more than the industry average.

Negative Customer Feedback

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. We do not recommend working with CashCall at this time.

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Matthew Laney Rialto, CA

The funding was quick but getting anybody to actually speak to on the phone was very difficult.

1 year ago