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American Processing Company is a merchant services provider offering payment processing, POS systems, and digital marketing solutions to small and independent businesses nationwide.
Data compiled from public sources
American Processing Company has operated for over 12 years as a merchant services and business solutions provider. The company positions itself as a partner for independent business owners seeking integrated payment and marketing solutions rather than a traditional lender. They maintain multiple sales offices nationwide and claim to have processed billions of dollars in transactions.
The company offers two primary service categories: payment processing solutions and digital marketing. On the payments side, they provide credit card processing, cash discounting programs (claiming up to 80% fee reduction), point-of-sale systems with contactless terminals, online payment acceptance, B2B payment processing, and gift/loyalty card programs. Their digital marketing offerings include website design, local SEO optimization, SEO-friendly blogging, and social media management. Each client receives a dedicated account manager.
American Processing Company distinguishes itself through integrated service delivery—combining payment processing with digital marketing under one account manager rather than requiring separate vendors. They emphasize cost-effectiveness and customizable solutions for businesses of all sizes. The company is registered as an ISO (Independent Sales Organization) with Wells Fargo Bank, N.A. and Fifth Third Bank, N.A., which indicates legitimate merchant acquiring partnerships.
As a merchant services provider rather than a traditional lender, American Processing Company does not offer business loans, lines of credit, or SBA financing—despite its current categorization. The company's core profile context is payment processing efficiency and digital marketing support for existing businesses with established operations, not capital solutions for businesses needing funding.
This is state-level context for Business Loans consumers in Atlanta, GA. It does not confirm that American Processing Company or this specific location is licensed.
State regulator
Georgia Department of Banking and Finance
Consumer protection
Status: Permitted
Rate context: 5% simple interest (7% contract rate) under usury laws; no specific cap for licensed lenders making installment loans
Personal loans from licensed lenders are governed by Georgia Consumer Finance Law. Unlicensed lenders are subject to usury caps.
Status: Permitted
Rate context: Licensed installment lenders can charge tiered rates up to 60% APR on smallest loans, declining with loan size; rates regulated by Georgia Consumer Finance Law (Ga. Code Ann. § 34-29-1 et seq.)
Licensed by Georgia Department of Banking and Finance. Rates vary by loan amount with maximum rates decreasing as loan amounts increase. Lenders must be licensed and comply with all regulatory requirements.
Source: CreditDoc state-law summary and listed public regulator resources. Verify licensing directly with the listed state regulator before relying on a provider.
American Processing Company offers 12 services including Credit card payment processing, Cash discounting programs, Point-of-sale (POS) systems and contactless terminals, Online payment acceptance, B2B payment processing, and 7 more.
American Processing Company has profile signals associated with Small to mid-sized independent retailers seeking to consolidate payment processing and digital marketing vendors, Established local businesses looking to optimize website design and local search visibility simultaneously, Merchants seeking to reduce credit card processing fees through cash discount programs, Multi-location businesses needing POS system integration across multiple sales offices.
Key strengths: 12+ years of documented operating history in merchant services; Dual-service model combining payment processing and digital marketing reduces vendor fragmentation; Dedicated account managers assigned to each client for ongoing support. Areas to consider: Website makes vague claims ("billions of dollars processed") without specific transaction volume or merchant count data; No listed pricing information available on website; requires direct consultation to obtain rates.
In the Business Loans category, comparable providers include American Credit Acceptance - Atlanta, GA, Georgia Certified Development Corporation, Georgia Cities Foundation. Each company has different strengths, so compare services, pricing, and consumer complaint records before deciding what to do next.
CreditDoc Profile Note
American Processing Company is profile signals for established independent businesses and retailers seeking integrated payment processing and digital marketing services under a single account manager, not for businesses requiring capital or financing. The primary caveat is that this is a merchant services provider, not a lender—it solves operational efficiency and marketing visibility problems for businesses with existing revenue, not capital access problems for businesses needing funding.
American Credit Acceptance provides auto financing solutions for dealers and customers, operating as a captive finance company serving the automotive lending market.
Profile signals: Automotive dealers seeking captive finance partnerships to increase sales, Used car dealerships wanting to offer in-house financing to customers
Georgia Certified Development Corporation is an SBA 504 lender providing long-term, fixed-rate financing to small businesses for asset acquisition and expansion.
Profile signals: Small business owners needing to purchase or refinance fixed assets (equipment, real estate, facilities), Start-up businesses seeking long-term capital with more flexible underwriting than conventional lenders
Georgia Cities Foundation provides subordinate gap financing and placemaking support to Georgia cities, with a focus on downtown development and rural community revitalization.
Profile signals: Georgia municipalities and cities seeking downtown revitalization project financing, Rural Georgia communities with viable development projects needing gap financing
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Read guide →New to credit and lending? Here are the key terms used on this page, explained in plain language with real-number examples.
The total yearly cost of borrowing money, including the interest rate plus any fees the lender charges. Think of it as the 'true price tag' on a loan.
Lenders are required to show APR by law (Truth in Lending Act) because the interest rate alone can hide fees. Comparing APR across lenders is the most reliable way to find the lower-cost loan.
Example
You borrow $10,000 at 6% interest for 3 years, but there's a $300 origination fee. The interest rate is 6%, but the APR is 6.9% because it includes that fee. You'd pay $304/month and $946 total in interest.
The percentage a lender charges you for borrowing their money, calculated on the amount you still owe. It's the lender's profit for taking the risk of lending to you.
Even a 1% difference in interest rate can cost you thousands over a loan's life. Lower rates mean less money out of your pocket.
Example
On a $20,000 car loan for 5 years: at 5% you pay $2,645 in interest. At 8% you pay $4,332. That 3% difference costs you $1,687 extra.
A person who agrees to repay your loan if you can't. They're equally responsible for the debt, and their credit is affected by your payment behavior.
Cosigning helps people with thin credit get approved or get better rates. But it's a huge risk for the cosigner — they're on the hook for the full amount if you default.
Example
A parent cosigns their child's $30,000 student loan. The child stops paying after 6 months. The parent is now legally required to make the payments or face collections, lawsuits, and credit damage.
How long you have to repay the loan, measured in months or years. A shorter term means higher monthly payments but less total interest paid.
Longer terms feel more affordable monthly but cost much more overall. A 30-year mortgage costs almost double in interest compared to a 15-year mortgage on the same amount.
Example
Borrowing $200,000 at 6.5%: A 15-year term costs $1,742/month ($113,561 total interest). A 30-year term costs $1,264/month ($255,088 total interest). You save $141,527 with the shorter term.
A one-time fee the lender charges to process and set up your loan. It covers their costs for underwriting, verifying your information, and preparing paperwork.
Origination fees are usually 1-8% of the loan amount and are often deducted from your loan proceeds — so you receive less than you borrowed.
Example
You're approved for a $10,000 personal loan with a 5% origination fee. The lender deducts $500 upfront, so you receive $9,500 in your bank account but owe $10,000 plus interest.
The original amount of money you borrowed, before any interest or fees are added. It's the 'real' amount of your debt.
Your interest is calculated on the principal. Paying extra toward principal (not just interest) is the one route to reduce your total cost and pay off a loan early.
Example
You borrow $25,000 for a car. That $25,000 is your principal. Your first payment of $450 might split as $150 toward interest and $300 toward principal, bringing your balance to $24,700.
The process where a lender evaluates your finances — income, debts, credit history, assets — to decide whether to approve your loan and at what rate.
Understanding what underwriters look for helps you prepare a stronger application. They check your DTI ratio, employment stability, credit score, and the asset's value.
Example
You apply for a mortgage. The underwriter reviews your pay stubs (income), bank statements (savings), credit report (history), and orders an appraisal (home value). This takes 2-4 weeks.
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