We do about $750k-$1m in MCA (ach/cc) brokering and have never seen a **** show like Happy Rock.

If you want to provide a good service to your clients, steer clear of Happy Rock.

FACTS of a recent deal:
  • Happy Rock makes an offer.
  • Client signs in a timely fashion.
  • Client redirects CC Processors to pay Happy Rock's lockbox, as required.
  • Happy Rock starts collecting CC receipts.
  • 96 hours later, Happy Rock has not funded the deal.
  • Credit committee comes back on day 5, kills the deal.
  • Happy Rock collected 8% of daily deposits, strangle holding client's cash flow



No words can describe just how awful this was for the client.

STAY AWAY FROM HAPPY ROCK.