While we don't verify specific claims because reviewers' opinions are their own, we may label reviews as "Verified" when we can confirm a business interaction took place. Read more

To protect platform integrity, every review on our platform—verified or not—is screened by our 24/7 automated software. This technology is designed to identify and remove content that breaches our guidelines, including reviews that are not based on a genuine experience. We recognise we may not catch everything, and you can flag anything you think we may have missed. Read more

See what reviewers are saying

Rated 5 out of 5 stars

Great service,multiple offers to choose from even when I may not be the easiest industry to lend to,Real Estate.Joe stayed on top of the lenders and closed the deal when promised,good work!

Rated 4 out of 5 stars

I would recommend mwd to everyone who do not want to deal with all the hassle with banks. The staff is extremely helpful and the whole funding process waa quick.

Rated 5 out of 5 stars

When i first needed funding, my business wasn't healthy enough to deal with the cost. Taj politely and calmly informed me of this and recommended I revisit the idea when times are better, without runn... See more

Rated 5 out of 5 stars

Our facility has been working with MWD for a few years now. This has taken the collection piece off of our plate and we have had nothing but great results with MWD, the responsive treatment on our fun... See more

Company details

  1. Non-bank financial service
  2. Financial advisor

About Money Works Direct

Information provided by various external sources

Money Works Direct was founded by a collective team of professional entrepreneurs with over 35 years of combined small business and lending experience. We felt there was an immediate need in today's challenging economy to assist small to medium sized businesses grow with an infusion of our private capital. After all, small to medium sized businesses are the foundation of our great nation.

However, banks and small business lending associations are still very stringent with their underwriting guidelines and their procedures are often lengthy in process. Therefore, in order to successfully service our clients' immediate financial needs, our 'customer service' dedicated group of funding specialists will customize a funding program for your business while learning and understanding the life cycle your business.

As a quasi 'silent funding partner', 'your business' objectives, goals and expectations are extremely important to us. We understand that no two businesses are the same. Consequently, it is imperative that we provide your business with the most effective financing program to ensure your company's successful growth.

Contact info

4.7

Excellent

TrustScore 4.5 out of 5

30 reviews

5-star
4-star
3-star
2-star
1-star

How this company uses Trustpilot

See how their reviews and ratings are sourced, scored, and moderated.

Companies on Trustpilot aren't allowed to offer incentives or pay to hide reviews. Reviews are the opinions of individual users and not of Trustpilot. Read more

Rated 5 out of 5 stars

Thank you, Joe Montelbano.

All too often, we view individuals as account numbers or order numbers or an email address. It is very easy to make this disconnect given the times we live in and cadence of our lives. Anonymity and privacy are a double edged sword. Our information is protected at the cost of human interaction. Joe Montelbano, with Money Works Direct, is an anomaly. While maintaining professionalism and efficiency, Joe never made us feel like just "a number". His help was sincere and prompt, and for this, we are grateful....

31 May 2017
Unprompted review
Rated 5 out of 5 stars

Money Works Direct came through for my company

I must say that I was very pleased with Money Works Direct. My salesperson was Joe Montelbano, he was knowledgeable and candid with me about what he could do for my company. Joe was able to get our company funded with working capital within 48 hours and the entire process was very transparent. I will surely do business with Money Works Direct the next time my company needs funds. I highly recommend this company.

28 April 2017
Unprompted review
Rated 5 out of 5 stars

The Real Deal

I gotta be honest . I was one of those people who thought they knew everything about the Merchant Cash Advance industry. I've had advances with several companies . On Deck, Can , Rapid & Yellowstone . And have dealt with various others. What I found out was that I didn't know as much as I thought I did. Steve really took his time to explain every question & concern I had. Being the skeptic that I am. I treated MWD the same as all the other companies I had dealt with in the past. I learned that all companies are NOT alike. And I thank Steve for that. He offered No promises. No surprises. Just total transparency. He helped get me what my company needed . Not what I thought it needed. I am on my 6th advance with MWD. I started out with a $12k advance. And in 12 months I am now eligible for $100k. My company has grown immensely . And thanks to Steve , so has my knowledge of this industry . I no longer want or need any other companies. The proof is in the pudding. Money Works is the Real Deal !!

4 June 2016
Unprompted review
Rated 5 out of 5 stars

Needed quick cash for a large order

My business got an influx of large orders that we didn't have the profits to fill but MWD funded us what we needed within a few days. They even let us repay fully with the money we made from the orders which lowered our over all interest price by a ton. Great company and a great experience.

12 April 2016
Unprompted review
Rated 5 out of 5 stars

Trustworthy

I've had an open line of credit with MWD for close to two years now and I've never had to go anywhere else, nor do I plan to. They really have my and (more importantly) my business' best interests at heart.

11 April 2016
Unprompted review
Rated 5 out of 5 stars

All experiences aren't the same

When i first needed funding, my business wasn't healthy enough to deal with the cost. Taj politely and calmly informed me of this and recommended I revisit the idea when times are better, without running my credit. I appreciated his honesty. Some owners might have flown off the handle to his proposition but I understand the truth isn't always what we want to hear. I later got approved for a sum lower than what I initially wanted but at a decent rate which will start me on the path to growth. I look forward to continuing my relationship with MWD and seeing where it takes me and my business.

11 April 2016
Unprompted review
Rated 5 out of 5 stars

Can't complain

I originally needed some quick capital to pay an unexpected debt. Later on in the year I decided to revisit MWD for a potential growth opportunity. Both instances were pretty simple and I intend to continue business together in the future.

11 April 2016
Unprompted review
Rated 5 out of 5 stars

WOW!

MONEY WORKS DIRECT HELPED ME GET OVER MY SLOW SEASON WHICH LET ME BETTER PREPARE FOR THE BUSY WINTER AND IT'S ALREADY OUR BEST WINTER YET. I PLAN ON WORKING WITH THEM AGAIN.

11 April 2016
Unprompted review
Rated 5 out of 5 stars

Fantastic customer service

If they don't win you over with their rates and customized plans that WILL cater to your business, then they will surely win you over with the customer service. Every question i had was answered and it was never a hassle to get in contact with whoever i needed to speak to.

11 April 2016
Unprompted review
Rated 5 out of 5 stars

Miles ahead of the industry

To tell ya the truth, I have no idea how they got me 65 grand so quickly and at a price that wouldn't jeopardize my company, but I intend on letting them work that magic again.

11 April 2016
Unprompted review
Rated 5 out of 5 stars

Professional and fast service

We needed some working capital and our sales representative Sean was extremely helpful and walked us through the whole process. He promised fast service and thats exactly what we got! I 100% recommend them!

27 January 2016
Unprompted review
Rated 5 out of 5 stars

Caring company.

Money works direct is very caring and helpful with their senior customers. They explained me the whole process and were very helpful from the beginning to the very end. I had a problem uploading my application and the customer service was very patient with my little knowledge of computer usage. They are extremely professional and pleasant to work with!

27 January 2016
Unprompted review
Rated 5 out of 5 stars

Very Very Good

Pleasure to work with, the rep. was knowledgeable and communicated everything to me so that I had no questions. I would defiantly recommend MWD to my friends.

27 January 2016
Unprompted review
Rated 4 out of 5 stars

Beats a Bank

I would recommend mwd to everyone who do not want to deal with all the hassle with banks. The staff is extremely helpful and the whole funding process waa quick.

27 January 2016
Unprompted review
Rated 5 out of 5 stars

Saved my business!

I was hesitant at first but when I talked with our sales rep I immediately changed my mind. He was very knowledgeable and assisted in moving the process right along.Thank you money works for helping to "save the day".

27 January 2016
Unprompted review
Rated 5 out of 5 stars

Professional

I’ve dealt with several funders in the past and know the used car salesman type when I hear one. NOT with MWD, Luciano in particular took care of me and my business in a very professional, consultative manor.

27 January 2016
Unprompted review
Rated 5 out of 5 stars

Unbelievable!

I needed capital to purchase materials to fulfill a job. I showed them my contracts and they were able to uses that to get me funds quickly! Thank You MWD!

With MWD I was able to start my small business thanks to their Small Business Cash Advance. What's even better is this is NOT a loan, I can finally succeed without interest rates that will haunt me!

27 January 2016
Unprompted review
Rated 5 out of 5 stars

Great Company With Good Plans

I need money every three months to keep up with work orders. MWD was able to structure a program where they will give me Capital every 3 month. I never knew that was possible! Thanks guys.

27 January 2016
Unprompted review

The Trustpilot Experience

Anyone can write a Trustpilot review. People who write reviews have ownership to edit or delete them at any time, and they’ll be displayed as long as an account is active.

Companies can ask for reviews via automatic invitations. Labeled Verified, they’re about genuine experiences.

Learn more about other kinds of reviews.

We use dedicated people and clever technology to safeguard our platform. Find out how we combat fake reviews.

Learn about Trustpilot’s review process.

Here are 8 tips for writing great reviews.

Verification can help ensure real people are writing the reviews you read on Trustpilot.

Offering incentives for reviews or asking for them selectively can bias the TrustScore, which goes against our guidelines.

Take a closer look