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Small business financing company Rapid Finance has grown to be one of the biggest names in alternative business financing since its founding in 2005. With personalized customer service, competitive rates, and flexible funding options, Rapid Finance has funded over $2 billion for companies in various industries. 

The company's variety of financing options puts it at the forefront of the industry. Rapid Finance also provides a business advisor who will work with customers one-on-one in order to service every unique business situation.

Applications are not solely based on credit score, giving more applicants funding opportunities, and financing amounts start at $5,000. 

Customers can get approved in minutes and can receive funding in as little as 24 hours. 

The Good

  • Variety of Loan Options
  • High Maximum Loan Amount
  • High-Quality Resources
  • Customer Support
  • Rapid Finance Reviews

Variety of Loan Options

Rapid Finance provides a variety of financing options for lots of differing borrower needs, including the following: 

  • Bridge loans
  • Lines of credit
  • Merchant cash advance
  • SBA loans
  • Invoice factoring
  • Asset based loans
  • Commercial real estate loans

Through its lending partners, Rapid Finance allows customers to participate in low-interest rate SBA-approved bridge and long-term loans. 

The company's small business loan is a great fit for small businesses that do not meet the criteria for an SBA loan.

The merchant cash advance (MCA) and line of credit are both good options for short-term cash needs. Small businesses can purchase new equipment, bolster their payroll, or pay off tax liens with the MCA or line of credit products.

Approved loan uses depend on the loan type, but includes practically any need you have as a business owner, including the following: 

  • Working capital 
  • Location expansion
  • Equipment leasing
  • Payroll 
  • Debt consolidation
  • Technology
  • Marketing

Be aware that Rapid Finance works with a partner network of various finance brokers for equipment leasing, credit card processing, asset based loans, and invoice factoring so pay close attention to the specific requirements, rates, terms, and conditions set forth by your direct lender, including the following:  

  • Application process
  • Positive credit behavior
  • Interest rate
  • Origination fee
  • Fixed fee 

High Maximum Loan Amount

With Rapid Finance and its partner network, businesses can receive financing ranging from $5,000 to $10,000,000 depending on gross sales and other factors.

Many lenders in the industry only offer loan amounts closer to $500,000, giving Rapid Finance a leg up on its competition. 

High-Quality Resources

Rapid Finance's website provides excellent resources for small business owners including white papers, slide share presentations, and an e-book on marketing best practices. Its blog is updated frequently and includes a long list of articles covering several small business topics. 

Additionally, you can check your eligibility with Rapid Finance's loan amount calculator to see how much you could qualify for if approved based on your credit score and gross monthly sales. 

Keep in mind that the results of the calculator are no guarantee; you’ll still need to be formally approved with an application. 

Customer Support

When clients choose to work with Rapid Finance, they'll have access to a personal business advisor who can help them determine which financing options are right for their business.

Rapid Finance also provides a number of other tools for borrowers, including a client portal that is accessible around the clock and allows borrowers to upload documents, see payment information, and review financing when applicable.

Rapid Finance Reviews

The majority of Rapid Finance reviews are positive, giving the company a high rating from consumers. Rapid Finance customers highlight quick loan approval and funding time, great staff and customer service, and competitive rates. 

With such high ratings from customers, future borrowers can have peace of mind knowing Rapid Finance is a trusted lender that delivers quality and satisfactory service. 

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The Bad

  • Does Not Fund Startup Companies
  • Excluded Businesses

Does Not Fund Startup Companies

Rapid Finance does not provide funding for startups, so those looking for startup funding will need to look elsewhere. 

To qualify for a loan with Rapid Finance, businesses have to meet certain requirements, such as being in business for at least six months and having at least $5,000 in monthly revenue. Business owners will need to have a credit score of 550 or higher. 

Excluded Businesses

Rapid Finance does not service the following business types:

  • Annual memberships
  • Adult entertainment
  • Bail bonds
  • Casinos
  • Churches and all non-profits
  • Collection agencies
  • Consumer debt counseling services
  • Direct/multi-level marketing
  • Firearms
  • Flea market
  • Home-based door/door-no lease space
  • Kiosks
  • Law firms
  • Marijuana (dispensaries, producers, distributors)
  • Payday loan companies/other lending businesses
  • Travel agencies
  • Car services 
  • Automobile dealerships

The Bottom Line

Overall, Rapid Finance has some great options available for the small business owner, including a merchant cash advance, a line of credit, and other small business loans. 

In addition to offering multiple financing solutions, the company offers a simple application process, opportunities to borrow even with bad credit, quick approval and funding times, and respectable customer support.

If you are a consumer looking for a trusted lending option and your company has at least six months in business and $5,000 or more in monthly revenue, a Rapid Finance loan may be a great choice. 

You can find Rapid Finance reviews below to learn more about the customer experience with the lender. 

We'll Introduce You!

Call our recommended rep over at Rapid Finance below.

1-(866) 564-3221

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User Reviews

Star Rating

4.6
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282 Reviews

Review Breakdown

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1 star
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VJ

October 9th, 2018 San Antonio, TX DETAILS arrow_drop_down
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Friendly responses / Quick service / Good followup on available product options

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Buzz's

October 9th, 2018 Merced, CA DETAILS arrow_drop_down
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SO EASY TO WORK WITH, THEY UNDERSTAND OUR NEEDS & GET US WHAT WE NEED

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Tracy

October 9th, 2018 Buffalo, NY DETAILS arrow_drop_down
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Easy application process and fast to work with to receive the loan

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Kyle Kahn

October 9th, 2018 Peachtree City, GA DETAILS arrow_drop_down
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The service is amazing! No a simple process but the great knowledge the representatives have make it and easy process. Loved everyone I have worked with.

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WILSONS ABBEY MEDI-CAB

October 9th, 2018 Exeter, CA DETAILS arrow_drop_down
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very easy to work with, follow through and my rep always calls back within 2 hours.

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Shipley

October 9th, 2018 Fort Smith, AR DETAILS arrow_drop_down
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Quick application and process and timely response

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Small Business owner

October 9th, 2018 Orlando, FL DETAILS arrow_drop_down
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My representative was straight forward at all times and worked hard to get me approved

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Smith jasmine

October 9th, 2018 Missouri City, TX DETAILS arrow_drop_down
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They have us when we need them.low monthly pay.u don't have to worry

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NSBS

October 9th, 2018 Hyattsville, MD DETAILS arrow_drop_down
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They always work with you regardless of your financial situation.

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Lauck Motors

October 9th, 2018 Roswell, GA DETAILS arrow_drop_down
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nothing but great service. they get it done and are very helpful

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Angel Upholstery

October 9th, 2018 Chapel Hill, NC DETAILS arrow_drop_down
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customer service is awesome and they answered all of my questions

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Pig Daddy's

October 9th, 2018 Drexel Hill, PA DETAILS arrow_drop_down
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Quick and easy to complete the application

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Marianne

October 9th, 2018 Scottsdale, AZ DETAILS arrow_drop_down
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Anna has been great with me and works with me.

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Nice

October 9th, 2018 Southampton, NY DETAILS arrow_drop_down
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I'm satisfied with service the product and the ease of processing.

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Dr. Eugene Antenucci

October 9th, 2018 Bay Shore, NY DETAILS arrow_drop_down
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Excellent support, quick turnaround, reasonable rates

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Stewart snacks

October 9th, 2018 Monroe, LA DETAILS arrow_drop_down
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Great customer service and very good service in financing.

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Patrick

October 9th, 2018 Waynesville, NC DETAILS arrow_drop_down
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They are very helpful. Very upfront and honest about their terms and how the deal will work. Their are no surprises.

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Michael

October 9th, 2018 Mishawaka, IN DETAILS arrow_drop_down
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Very helpful, friendly, & knowledgeable of their process.

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Paul''s Bookkeeping

October 9th, 2018 Amarillo, TX DETAILS arrow_drop_down
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Easy to work with especially on business growth

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Joe

October 9th, 2018 Rancho Cucamonga, CA DETAILS arrow_drop_down
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No problems quick cash and great customer service everytime

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Mindy

October 9th, 2018 Sarasota, FL DETAILS arrow_drop_down
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Would like length of loan to be longer sometimes the payments on daily basis are hard to make

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Joe Cook

October 9th, 2018 Lake Ozark, MO DETAILS arrow_drop_down
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It's very affordable and convenient and yes easy

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Courage

October 9th, 2018 Dallas, TX DETAILS arrow_drop_down
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Lied during and after Application process

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Integrity First

October 9th, 2018 Alexandria, VA DETAILS arrow_drop_down
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They make getting funding an easy and simple process. Great customer service. Great staff

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Business

October 9th, 2018 Cookeville, TN DETAILS arrow_drop_down
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Easy to work with and very quick approval been with for about 3 years

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Maryam Sadik/ Anthony Birch

October 9th, 2018 Paragould, AR DETAILS arrow_drop_down
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My customer service representatives have been caring and interested...not only in the financial aspects of my business but in the happenings of my family and life. That's rare.

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Veronica Hanley

October 9th, 2018 Tucson, AZ DETAILS arrow_drop_down
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Misleading rates. Not interest rate but actually a few so you can't pay it off.

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My Sisters Closet & Boutique

October 9th, 2018 McKenzie, TN DETAILS arrow_drop_down
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Knowledgeable and easy to work with. Quick service

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Fast Money

October 9th, 2018 Ferndale, WA DETAILS arrow_drop_down
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Rapid advance delivered. Good follow up. Quick funding!

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Laura Hollenbach

October 9th, 2018 Frisco, TX DETAILS arrow_drop_down
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The representatives are very quick to work with your situation to help expedite funding.

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Juanita Cuellar

October 9th, 2018 San Antonio, TX DETAILS arrow_drop_down
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I been doing business with them for a few years very professional and helpful.

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Killer Desserts

October 9th, 2018 Tempe, AZ DETAILS arrow_drop_down
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Awesome customer service and flexible to the needs of the customer.

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Sergio Duarte

October 9th, 2018 Rockledge, FL DETAILS arrow_drop_down
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They allways are efficient and prompt with there services, first time is allways challenging but once a relationship is built it's literally same day service!

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Mine

October 9th, 2018 Clover, SC DETAILS arrow_drop_down
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Interest way too high. Not worth borrowing what I did. Never again. Learned my lesson.

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Lori Warner

October 9th, 2018 DETAILS arrow_drop_down
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Helped me out alot, very good at getting right back to me every time I need them

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Donald Cochrane

July 27th, 2018 Tacoma, WA DETAILS arrow_drop_down
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i didn't like anything about the experience with them they told me I was approved then later send me a message I am declined , gave my credit a hit for nothing , I had 747 with no negative marks or late pays and they declined me because of companies like theirs hitting my credit and not coming through

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Steven

July 11th, 2018 Forest City, IA DETAILS arrow_drop_down
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as advertised it said 500 credit score minimum for help, they want 680+

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Jane

July 11th, 2018 North Attleboro, MA DETAILS arrow_drop_down
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After they promised to offer me a loan, they asked me to send my personal Informations; drivers license, a voided check of my company, my company EIN number, basically everything someone can use for an identity theft. Literally in less than 45 minutes after they received all requested personal documents via email, they emailed me a denied letter.

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Marlene

July 11th, 2018 Vincentown, NJ DETAILS arrow_drop_down
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just kept sending me in circles to different websites

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Jayson G&S Auto

July 2nd, 2018 Clinton, MD DETAILS arrow_drop_down
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Rapid Advance has helped me with 5 separate loans, the process is very simple and the approval and funding process is very fast.

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Olivia Dawson

July 2nd, 2018 Monroe, NC DETAILS arrow_drop_down
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easy to work with and they are quick to respond

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Anthony Birch

July 2nd, 2018 DETAILS arrow_drop_down
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Easy process, very quick and professional.

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Emry Corlew

July 2nd, 2018 Lafayette, IN DETAILS arrow_drop_down
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Easy to work with always get my money quickly. Politely and professional would recommend.

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Yonikka Tinsley and Kiesha Daniels

July 2nd, 2018 DETAILS arrow_drop_down
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They are always looking to see if I need any help.

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Dominique

June 18th, 2018 Salisbury, MD DETAILS arrow_drop_down
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They were helpful and gave us good deals

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Gil

June 18th, 2018 Warminster, PA DETAILS arrow_drop_down
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Easy company to work with great communication and very fast turn around

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Bendtowncars of Central Oregon

June 18th, 2018 DETAILS arrow_drop_down
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They are excellent to work with and really care about the success of their customers

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Pryce Richards

June 15th, 2018 Pompano Beach, FL DETAILS arrow_drop_down
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I've used this company before, and they're very efficient. They're user friendly, and it's easy to upload documents to obtain the loan. I was helped by a very congenial young person!

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Camilli Seawright

June 15th, 2018 Cedar Hill, TX DETAILS arrow_drop_down
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This is a very friendly and professional company. They answered my questions quickly, and they were very compassionate towards me. They ensured the whole business loan process was easy for me.

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Anonymous

June 15th, 2018 Kilgore, TX DETAILS arrow_drop_down
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I'm happy I went with Rapid Advance, because they've helped me with what I needed. It was pretty easy to obtain a loan through them. Their customer support was easy to work with, and they answered any questions I had at any time.