Process Green is a merchant services company specializing in credit card processing, payment gateways, and merchant account management for high-risk and low-risk businesses in California.
Data compiled from public sources · Google rating shown when a stored review count is available
Process Green is a California-certified green business that provides merchant services and credit card processing solutions. The company positions itself as a dedicated advisor helping businesses accelerate merchant account approvals, minimize processing rates, and maintain account security. Founded on principles of transparency and social responsibility, Process Green differentiates itself through a cause-marketing model where 10% of company profits are donated to a non-profit of the client's choosing.
The company offers four primary service categories: Merchant Account Management with customized solutions and technical support; Robust Payment Gateway Options ensuring secure data facilitation between merchant and processor; Advanced Merchant Processing Equipment for various business types; and Cause Marketing initiatives. All services are reportedly provided at no additional cost. Process Green emphasizes rapid merchant account approvals, chargeback prevention, fraud protection, and PCI compliance.
Process Green distinguishes itself primarily through its profit-sharing model and commitment to green business practices. The company claims to negotiate the lowest transaction rates and processing fees through close relationships with registered ISOs, and provides a complimentary merchant account assessment. Customer testimonials highlight more listed customer service and measurable cost savings on processing fees. The company serves both high-risk and lower listed-risk context merchants across various industries including healthcare and automotive services.
As a merchant services provider rather than a lender, Process Green is positioned correctly within business services. The company's strength lies in cost negotiation and account management rather than capital provision. The cause-marketing component is genuine and verifiable through their California green business certification. However, specific rate stated terms, approval timelines, and comparative data are not provided on the website, requiring direct contact for detailed pricing and terms.
This is state-level context for Business Loans consumers in Los Angeles, CA. It does not confirm that Process Green Merchant Services - Credit Card Processing (California Certified Green Business) or this specific location is licensed.
State regulator
California Department of Financial Protection and Innovation (DFPI)
Consumer protection
Status: Permitted
Rate context: 10% APR for unlicensed lenders; licensed finance lenders can exceed usury cap for loans under $10,000; AB 539 (2020) caps APR at 36% plus federal funds rate for loans $2,500-$10,000
California Constitution Article XV sets 10% usury cap for general consumer loans. Licensed finance lenders under the California Financing Law (Cal. Fin. Code § 22000 et seq.) can charge rates above the constitutional usury limit for certain loan amounts.
Status: Permitted
Rate context: Governed by California Financing Law. Licensed lenders can exceed usury cap for loans under $10,000. AB 539 caps APR at 36% plus federal funds rate for loans $2,500-$10,000.
Installment loans regulated under Cal. Fin. Code § 22000 et seq. Installment Loan Law requires disclosure of finance charge, APR, payment schedule, and other terms. DFPI oversees licensing and enforcement.
Source: CreditDoc state-law summary and listed public regulator resources. Verify licensing directly with the listed state regulator before relying on a provider.
Process Green Merchant Services - Credit Card Processing (California Certified Green Business) offers 12 services including Merchant account management with customized solutions, Streamlined merchant account pre-approval process, Account integration and technical support, Chargeback prevention and fraud protection, PCI compliance assistance, and 7 more.
Process Green Merchant Services - Credit Card Processing (California Certified Green Business) has profile signals associated with Small to mid-sized businesses seeking to reduce credit card processing costs, High-risk merchants struggling to obtain or maintain merchant accounts, Socially-conscious businesses wanting to contribute to non-profits through processing, Businesses in California seeking green-certified merchant service providers.
Key strengths: All services provided at no additional cost to merchants; 10% profit-sharing model with non-profits of merchant's choice at no extra cost; Specializes in both high-risk and lower listed-risk context merchant account approvals. Areas to consider: No specific rate stated terms or pricing information disclosed on website; Limited details on merchant account approval timelines or approval rates.
In the Business Loans category, comparable providers include Cashfund, Community Credit Counseling Corp., United Banc Card of TN. Each company has different strengths, so compare services, pricing, and consumer complaint records before deciding what to do next.
CreditDoc Profile Note
Process Green is profile signals for California-based small to mid-sized businesses seeking reduced credit card processing costs combined with social impact through their profit-sharing model. The primary caveat is that specific rate stated terms, approval timelines, and comparative pricing data are unavailable on their website—interested merchants must contact them directly for detailed terms and verification of claimed savings.
Cashfund provides small business loans up to $500,000 with approval decisions in as little as 4 hours and funding within 24 hours, requiring minimal eligibility criteria.
Google rating from 7 reviews
Profile signals: Established small business owners needing quick capital for time-sensitive opportunities, Entrepreneurs with fair credit (500+) who don't qualify for traditional bank loans
Non-profit 501(c)(3) credit counseling organization offering debt management and financial education to help consumers become debt-free since 1998.
Google rating from 1 review
Profile signals: Consumers seeking free credit counseling before considering bankruptcy, Individuals interested in negotiated debt management plans with multiple creditors
United Banc Card of TN offers merchant services, POS systems, and business funding solutions for restaurants, retail stores, and other businesses in Tennessee.
Google rating from 19 reviews
Profile signals: Restaurants, bars, and food truck operators needing integrated POS and payment processing, Retail businesses seeking inventory management and omnichannel sales solutions
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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.
Want to learn more? Read our Financial Wellness Guides for in-depth explanations and practical advice.
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