Rapid Finance Alternatives — Published Terms Compared

What Rapid Finance publishes

Quoted from Rapid Finance’s own website. Where a figure carries a qualifier such as “as low as” or “average”, the qualifier is part of the quote.

ProductsLoans, MCA, line of credit, bridge, SBA, factoring, asset-based lending, commercial real estate

AmountsLoans "$5,001…up to $1 million"; MCA "$5,000…$500,000"; line of credit "$5,001 to $250,000"; SBA "$500 to $5.5 million"; factoring "$20,000 up to $10 million"

RatesNot published

Terms"three months up to sixty months"; line of credit "up to 18 months"; SBA "up to 30 years"

Minimum credit scoreNot published

Minimum time in businessNot published

Minimum revenueNot published

Funding speed"Funding as fast as 24 hours"

Early payoffNot published

FeesOnly "fees may be charged and deducted from advance amount"

What we publish

Same categories, our figures, so the comparison is like for like.

Line of credit$10,000 – $350,000, 12–36 months, from 1% per month

Term loan$10,000 – $250,000, 12–18 months, 0% origination

Draw fee2.49% per draw, $10,000 minimum draw

Early payoffDiscounts at 30, 60 and 90 days. Term loan: 50% off remaining interest on a full payoff

Minimum credit score650 for line of credit or term loan, 600 revenue-based, 550 on a renewal

Minimum time in business3 years for Tier 1, 6 months for revenue-based

Minimum revenue$300,000/year or $25,000/month for Tier 1, $60,000 for revenue-based

States not fundedVermont, North Dakota, South Dakota

Decision / fundingSame-day decision, next-business-day funding

Every figure above is transcribed from current lender guideline documents. See all three tiers →

Published versus withheld

A simple way to read any funder: what will they put in writing before you apply?

Published by Rapid FinanceAn unusually broad product and amount grid; Renewal criteria in partner documents

Not published by Rapid FinanceRates; Credit, time-in-business and revenue minimums; Fee schedule; State exclusions; Whether it is the direct funder

Published by usAmounts, rates, draw fee, early payoff, credit floor, time in business, revenue minimum, excluded states

How the two actually differ

Rapid Finance covers more product types than almost anyone — eight, from merchant cash advances through to commercial real estate and asset-based lending, with amounts up to $10 million on factoring. If you need a product nobody else offers, that breadth is real.

What is not on the site is anything about cost or eligibility. No rate, no credit minimum, no time-in-business figure, no revenue floor, no fee schedule, no state list. Of the twelve funders we reviewed, this is the largest gap between product range and published detail.

That is a workable trade if you are being advised by someone who knows your file. It is a harder one if you are trying to compare offers yourself, because there is nothing published to compare.

How it works

1. Apply in minutes

A short application. No impact to your credit score to see what you qualify for.

2. Same-day decision

We review revenue, time in business and bank activity — not just a credit score.

3. Review your terms

You see the amount, the term and the total cost before you sign anything.

4. Funded next business day

Money in your account, typically the next business day after signing.

Common questions

What rates does Rapid Finance charge?

Rapid Finance does not publish rates on its website. Its pages list product types, amount ranges and term lengths only.

What credit score does Rapid Finance require?

Not published on its site.

What does Rapid Finance offer?

Loans, merchant cash advances, lines of credit, bridge loans, SBA loans, invoice factoring, asset-based lending and commercial real estate financing.

How current is this comparison?

Figures were read directly from Rapid Finance’s public website in September 2026. Companies change terms without notice, so confirm anything material with them before you decide.

Is this an independent review?

No, and we will not pretend otherwise — we are one of the options on this page. What we can do is quote the other side accurately and publish our own numbers in the same detail, so you can check both.

Rapid Finance alternatives: compare what is actually published.