CASH MAX

What CASH MAX does

Cash Max, LLC (dba CashMax) is a California-licensed payday lender operating exclusively in California since 2012. The company issues short-term, single-payment loans (also marketed as cash advances or deferred deposit transactions) to employed California residents who need bridge funding between paychecks. Loan sizes are capped at $50–$255 per California state regulation, carry a fee of approximately $17.50 per $100 borrowed (a 456.25% APR), and must be repaid in full on the borrower's next payday; renewals and extensions are not permitted, though a no-cost Extended Payment Plan is offered to qualifying borrowers facing repayment difficulty.

The platform combines a secure web-based application portal (cashmaxloans.com) with a network of physical California branch locations. Online applicants can complete the application, upload identity and income verification documents, and — if approved before 9:00 AM PT — receive same-day ACH bank deposit; in-branch applicants can complete the same process in person and obtain cash pickup. Required inputs are limited to a government ID, active checking account with direct deposits, and proof of recurring income, reflecting a deliberately streamlined underwriting flow designed for speed rather than depth.

CashMax is a direct-to-consumer lender with no disclosed enterprise or B2B revenue. The company is privately held, organized as an LLC, and operates within the regulatory perimeter of the California Department of Financial Protection and Innovation under a Deferred Deposit Transaction license. Revenue is generated transactionally via origination fees on each individual loan, with no recurring contract or subscription layer. The firm runs a small staff (11–50 employees per firmographic data) with no disclosed external capital, subsidiaries, or parent entity, indicating a self-funded, single-product, single-state specialty finance business.

Name

CASH MAX

Legal name

Cash Max, LLC

Website

https://cashmaxloans.com

Company type

Private

Founded year

2012

Operating status

Operating

Headcount range

11–50 employees

Short description

Cash Max, LLC (CashMax) is a California-licensed payday lender issuing $50–$255 short-term cash advances to California residents via an online portal and physical branch locations, charging approximately $17.50 per $100 borrowed.

Ownership category

akta.pro rank

Product category

Consumer Lending (Payday Loans)

SIC

Personal Credit Institutions (6141)

akta.pro primary industry

Cash Advance (Online & Storefront) (FSAKAMAC)

akta.pro secondary industry

Single-Payment Payday Loans (FSAKAMAA)

Keywords

• Payday loans
• Cash advances
• Deferred deposit transactions
• Short-term lending
• Consumer lending

Headquarters

HQ city

Texarkana

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Operations, Personnel, Technology or R&D, Marketing or Sales, Infrastructure

Revenue model

1. Payday Loan Interest and Fees: CashMax generates revenue through origination fees and interest charged on short-term payday loans. The standard fee structure is approximately $17.50 per $100 borrowed, equating to a 456.25% APR. Loans must be repaid in full on the borrower's next payday with no renewals or extensions permitted.

Pricing tiers

Go-to-market motion1 record

Distribution channels2 records

Marketing channels3 records

Core offering

CashMax provides short-term payday loans (also called cash advances or deferred deposit transactions) ranging from $50 to $255 exclusively to California residents, with same-day funding via ACH bank deposit or in-branch cash pickup. Customers apply online or in-branch by providing a government ID, an active checking account with direct deposits, and proof of steady income; loans are repaid in full on the borrower's next payday with no renewals or extensions permitted.

Product overview

CashMax is a single-product financial services company offering payday loans (also referred to as cash advances or deferred deposit transactions) exclusively to California residents. The core product provides short-term loans ranging from $50 to $255 with same-day funding options. The company operates an online application system with optional in-branch services, and offers an add-on Extended Payment Plan for customers who need repayment assistance.

Differentiator

Problem solved

Functional benefit

Products and services

• Payday Loans / Cash Advances Short-term payday loans (also called cash advances or deferred deposit transactions) ranging from $50 to $255, offered exclusively to California residents who have a government ID, an active checking account with direct deposits, and proof of steady income. Funds are disbursed the same day via ACH bank deposit (if approved before 9:00 AM PT) or instant cash pickup at a California branch, and the loan is repaid in a single installment on the borrower's next payday.

Segments1 record

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Scale indicators2 records

Recent moves4 records

Expansion highlights3 records

Emerging players

• Possible Finance: Fintech lender offering small-dollar installment loans to underbanked borrowers, with operations in select U.S. states. Comparable to CashMax on customer segment and product intent, but with a different (installment) structure and a mobile-first delivery model.
• LendUp: Online-only small-dollar lender offering payday-style and installment products with a stated focus on responsible lending and credit-building. Comparable to CashMax in product category and target borrower, with a more tech-forward delivery model.

Direct peers

• Check 'n Go: Multi-state payday and cash advance lender with both retail branches and online origination. Comparable to CashMax in product mix, single-payment model, and California license footprint.
• CashNetUSA: Online-only payday and installment lender operating across multiple U.S. states, including California. Directly comparable to CashMax on product offering, fee structure, and direct-to-consumer online model.
• Moneytree: Regional payday and installment lender with branch and online operations concentrated in the Western U.S., including California. Comparable in product, regulatory license, and target borrower to CashMax.
• Speedy Cash: Operates both online and in-store payday and installment lending across multiple U.S. states. Directly comparable to CashMax on product, regulatory approach, and direct-to-consumer GTM.
• ACE Cash Express: One of the largest storefront and online payday lenders in the U.S., offering single-payment payday loans and cash advances in multiple states including California. Directly comparable to CashMax in product, regulatory model, and target borrower.
• Advance America: Operates one of the largest payday lending branch networks in the U.S. with both storefronts and an online origination platform. Offers California-licensed deferred deposit transactions with same-day funding, making it a close functional peer to CashMax.
• Check Into Cash: Multi-state payday and cash advance lender with both storefront and digital channels. Comparable to CashMax in offering single-payment deferred deposit transactions in regulated U.S. states.

Broad incumbents

• Western Union Financial Services (Payday/Agent Services): Global money services business that historically enabled payday and short-term credit products through agent networks. Comparable to CashMax as a broad incumbent adjacent to small-dollar consumer credit, though not a direct storefront payday lender in California today.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat3 records

Key risks6 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/cashmax-loans

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about CASH MAX