Merchant Cash Advance · Term Loan · Line Of Credit · Invoice Factoring · Sba Loans
Rapid Finance Review 2026
Funding: $5,000 – $1,000,000|Funds in Same day to 3 business days
Rapid Finance offers one of the widest product ranges in the alternative lending space, including SBA loan assistance. Strong option for businesses that want one-stop funding access.
What Rapid Finance Offers
Rapid Finance provides the following funding products for small and medium-sized businesses:
- Merchant Cash Advance
- Term Loan
- Line Of Credit
- Invoice Factoring
- Sba Loans
- Amount: $5,000 - $1,000,000
- Factor Rates: 1.12 - 1.45
- Funding Time: Same day to 3 business days
Rapid Finance Requirements
- Credit Score: 550+ personal credit score
- Time in Business: At least 2 months
- Monthly Revenue: $10,000+ minimum
Rapid Finance Pros
- Widest product selection
- SBA loan access
- High max amount
- Experienced team
Rapid Finance Cons
- Costs vary widely by product
- SBA process still takes time
- Better rates require stronger profiles
Who Should Use Rapid Finance?
- Businesses with credit scores of 550 or above
- Companies with at least $10,000 in monthly revenue
- Businesses operating for 2+ months
- Those looking for Merchant Cash Advance or Term Loan
How to Apply
The application process is straightforward. You can apply directly through Rapid Finance or through Velica Capital to compare multiple offers at once with no impact to your credit score.
Ready to apply for funding with Rapid Finance?
Velica Capital works with Rapid Finance and other top lenders. Apply once to see what you qualify for with no hard credit check.
Quick Facts
Min Credit Score
550
Time in Business
2+ months
Min Revenue
$10,000/mo
Max Funding
$1,000,000
Factor Rate
1.12 - 1.45
Time to Fund
Same day to 3 business days
Products
- Merchant Cash Advance
- Term Loan
- Line Of Credit
- Invoice Factoring
- Sba Loans
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