# Rapid Finance

Source: https://businessloanbroker.ai/lenders/rapid-finance/
Site: BusinessLoanBroker.ai (powered by Levr)

> Rapid Finance funds US small businesses with term loans, lines and cash advances directly, and arranges SBA, asset based and real estate loans.

Rapid Finance is a US small business financing provider that funds some products itself and arranges others through partners. It funds term loans, lines of credit and merchant cash advances through its own entities, and its affiliated servicing company can arrange SBA, asset based and commercial real estate financing depending on your application and location.

## Key facts
- **Products:** Business term loans, business lines of credit, receivables financing and merchant cash advances
- **Arranged products:** SBA, asset based and commercial real estate financing through a separate servicing company
- **Company type:** Business financing provider with a funding partner network
- **Operates in:** United States
- **Funding range:** Not published
- **Website:** rapidfinance.com

## What does Rapid Finance offer?

Rapid Finance offers a [term loan](https://businessloanbroker.ai/business-loans/term-loans/), a [line of credit](https://businessloanbroker.ai/business-loans/line-of-credit/) and a [merchant cash advance](https://businessloanbroker.ai/business-loans/merchant-cash-advance/) through its own entities, aimed at working capital and growth. Through a separate servicing company it can arrange SBA loans, asset based lending and commercial real estate financing. The profile stresses that the specific provider and product depend on your application and location, so the lender named on your agreement may not be Rapid Finance itself for the arranged products.

## Who does Rapid Finance fund, and who do they decline?

Rapid Finance funds US small businesses with working capital or growth needs. The profile does not publish a funding range, revenue minimum, credit score, time in business, industry list or decline criteria. It suggests confirming that your use of funds, industry and location fit the program before you apply.

Its direct products are built for speed and for owners a bank may decline; its arranged products reach cheaper, slower options. If you have two years of history and clean financials, ask about the SBA route first. Businesses outside the United States are not eligible.

## What does it typically cost and how fast is it?

Rapid Finance does not publish rates or fees; pricing is quoted per file. The profile advises asking for the full cost and payment schedule, including any fees deducted from the amount delivered, which is a common feature of cash advances. Convert a factor quote with our [APR versus factor rate](https://businessloanbroker.ai/guides/apr-vs-factor-rate/) guide and compare with the typical ranges on our [term loan](https://businessloanbroker.ai/business-loans/term-loans/) and [merchant cash advance](https://businessloanbroker.ai/business-loans/merchant-cash-advance/) pages. Funding speed is not published.

## What will you need to apply?

For the direct products, expect three to six months of business bank statements, your EIN and formation documents and owner ID. Arranged SBA, asset based or real estate loans need tax returns, financial statements, collateral details and, for property, an appraisal. Our [document checklist](https://businessloanbroker.ai/guides/document-checklist/) covers both levels.

## How does Rapid Finance compare with similar lenders?

[Credibly](https://businessloanbroker.ai/lenders/credibly/) has the same direct plus partner model, funding working capital loans and cash advances itself and arranging lines, equipment and SBA loans. [Fora Financial](https://businessloanbroker.ai/lenders/fora-financial/) funds term loans, cash advances, lines and SBA loans up to $1.5 million directly, with a published revenue guidance of $240,000. The three overlap; compare the quoted net proceeds and total cost, and check which entity is the lender on each offer.

## How to apply

Apply once on this site and matching shows whether Rapid Finance, or a similar lender, fits your file. You can also ask your AI assistant to collect your documents and apply for you through our [MCP server](https://businessloanbroker.ai/agents/). A profile in this directory is a market reference and does not by itself mean the lender is on our network for your file; matching shows the lenders available to you.

| Lender | Products | Funding range | Operates in | Best suited for |
|---|---|---|---|---|
| Rapid Finance | Term loans, lines, cash advances; arranged SBA, ABL, CRE | Not published | United States | US small businesses wanting direct working capital with access to arranged products |
| Credibly | Working capital loans, cash advances, partner products | Not published | United States | US small businesses needing fast working capital with one point of contact |
| Fora Financial | Term loans, cash advances, lines, SBA loans | Up to $1,500,000 | United States | Established US businesses above $240,000 revenue needing fast, credit flexible capital |

## Questions and answers
**Is Rapid Finance a direct lender?**

For term loans, lines of credit and cash advances, yes, through its own entities. SBA, asset based and commercial real estate financing are arranged through a separate servicing company.

**Why does the amount delivered matter?**

Some products deduct fees before funding, so the cash you receive is less than the contract amount. The profile advises confirming fees deducted from the amount delivered.

**Can Rapid Finance arrange a real estate loan?**

The profile lists commercial real estate financing among the arranged products, with the provider depending on your application and location.

## Related
- [Credibly](https://businessloanbroker.ai/lenders/credibly/)
- [Fora Financial](https://businessloanbroker.ai/lenders/fora-financial/)
- [Business term loans](https://businessloanbroker.ai/business-loans/term-loans/)
- [Merchant cash advances](https://businessloanbroker.ai/business-loans/merchant-cash-advance/)

## Apply
Apply for the business: https://apply.businessloanbroker.ai/signup?utm_source=direct&utm_medium=organic&utm_content=md-lender-rapid-finance
MCP server for AI agents: https://mcp.businessloanbroker.ai/mcp (docs: https://businessloanbroker.ai/agents/mcp/)