Rapid Finance

What does Rapid Finance offer?

Rapid Finance offers a term loan, a line of credit and a 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 guide and compare with the typical ranges on our term loan and 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 covers both levels.

How does Rapid Finance compare with similar 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 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. 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.