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The Truth About “High-Risk” Businesses — And How Coast 2 Coast Is Leveling the Playing Field

credit card processing workers comp Jun 04, 2025

If you run a cannabis dispensary, trucking company, roofing business, staffing agency, or operate in any "high-risk" industry—you already know:

You’re doing honest work, but the system makes it harder to operate.

Getting approved for credit card processing? Nearly impossible.
Affordable workers comp? Out of reach.
Trying to grow with a less-than-perfect credit score? Good luck.

At Coast 2 Coast, we’re changing that—and here’s how.


🛑 The Credit Card Processing Catch-22

If your industry is labeled “high-risk,” traditional banks and processors often reject your application or hit you with:

  • ❌ High monthly minimums

  • ❌ Rolling reserves (they keep 10–20% of YOUR revenue)

  • ❌ Outrageous processing fees (3–5%+)

Worse? A business owner's personal credit score is often used to deny access to merchant accounts—even if the business is profitable.

“We had sales, customers, and momentum—but got denied over a 615 credit score. Coast 2 Coast approved us within 48 hours, with no reserves.”
Raymond F., logistics company owner


🌿 Cannabis Companies: Yes, You Can Take Credit Cards

Think you’re stuck with cash or crypto? Not anymore.

We now offer compliant credit card processing for cannabis dispensaries through BryteWire and Valor terminals. That means:

  • ✅ No more ATM fees or cash-only losses

  • ✅ Safer transactions

  • ✅ Improved tracking + reporting

“We started accepting cards last month, and sales jumped. Customers love the convenience—and we feel legit.”
Deja R., CBD + THC dispensary, Oregon


⚠️ The Workers Comp Crisis: Forced Into Expensive State Pools

Many high-risk businesses—especially those with recent claims—are forced into their state’s Assigned Risk Pool. This is the state’s “last resort” insurance, and the rates are brutal.

👉 For example, roofers in Florida can pay 30–50% more in the state pool than in the open market.

The mistake? Most don’t know that joining a PEO (Professional Employer Organization) can give them:

  • ⚡ Access to group rates

  • 📉 Lower classification codes

  • 🧾 Help reducing mod scores and claims

  • 💼 Back-office payroll, benefits, and compliance support

Coast 2 Coast connects business owners with PEO and private comp solutions—and in some cases, can cut premiums in half.

“We had one injury claim last year and got dumped into the state pool. Coast 2 Coast helped us restructure through a PEO and dropped our rate by 42%.”
Jennifer C., roofing company owner, Texas


💡 We’re Not Just a Processor—We’re a Partner

Most payroll or credit card companies won’t touch high-risk businesses. We do—and we help you thrive.

Zero-Fee Credit Card Processing
Virtual Terminals + Smart POS
PEO + Workers Comp Solutions
Merchant Cash Advances
Same-Day Setup Options

You don’t need perfect credit. You don’t need to overpay.
You just need the right partner.


📅 Book a Free, Private Consultation

We’ll walk you through exactly what you qualify for, what you’re currently losing, and how fast you can save.

🔗 Book now

#HighRiskBusiness #WorkersCompHelp #CannabisProcessing #CCProcessing #PEOSolutions #PayrollExperts #SmallBusinessSupport #C2CPayroll #GetApprovedFast

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