Rapid Finance Review

ByTop10 StaffJan. 06, 2021

This site is a free online resource that strives to offer helpful content and comparison features to its visitors. Please be advised that the operator of this site accepts advertising compensation from companies that appear on the site, and such compensation impacts the location and order in which the companies (and/or their products) are presented, and in some cases may also impact the rating that is assigned to them. To the extent that ratings appear on this site, such rating is determined by our subjective opinion and based on a methodology that aggregates our analysis of brand market share and reputation, each brand's conversion rates, compensation paid to us and general consumer interest. Company listings on this page DO NOT imply endorsement. We do not feature all providers on the market. Except as expressly set forth in our Terms of Use, all representations and warranties regarding the information presented on this page are disclaimed. The information, including pricing, which appears on this site is subject to change at any time.

In a Nutshell

If you’re seeking to expand your business or have been hit by an unforeseen expense, Rapid Finance offers multiple financing options for borrowers across industries. The company operates a simple, transparent application process and your funds could be available as soon as the same day.


  • Get a quote within minutes
  • Wide range of financing options


  • Only able to view rates once application is complete
  • No 24-hour phone support

Rapid Finance at a Glance

Direct lender or marketplaceDirect
Loan typesSmall business, merchant cash advance, line of credit, bridge loan, SBA, invoice factoring, asset-based, commercial real estate
Loan amountVaries depending on loan type, 
Repayment termsVaries depending on loan type, between 3-30 years
Suitable forWide range of financing options for all types of businesses

Rapid Finance Rapid Finance View Rates


Launched as an alternative to traditional banks, Rapid Finance has provided more than $2 billion in funding to clients of all sizes across a range of industries. With an A+ rating from the Better Business Bureau, the company has established itself as a dependable player in the alternative funding market. 

Why Rapid Finance Is Good For Your Business

Rapid Finance advertises flexibility as one of its greatest strengths and the company offers potential borrowers a lot of choice over their loan type, how much they would like to borrow, and the term of their loan. The company’s transparent quoting process also means you won’t be hit by any hidden fees or unexpected costs. 

Loan Features

Rapid Finance offers a range of loan products:

  • Small business loans: a lump sum of working capital for business purposes
  • Merchant cash advance: fast access to capital based on future credit cards receivables
  • Line of credit: quick access to a defined amount of working capital
  • Bridge loan: a short-term loan to cover unexpected costs
  • Small Business Administration loan: partially guaranteed by the government, these provide access to financing over the longer term and with lower administration costs
  • Invoice factoring: a financing option enabling you to sell your business invoices in exchange for an immediate advance
  • Asset-based loan: access to financing based on your business’ assets
  • Commercial real estate: enables you to refinance or purchase a commercial property

Application Process

The first step is applying online through the company’s website or by speaking to one of the company’s advisors over the phone. Depending on the loan type, you may need to provide information such as:

  • Your full name
  • Business name and address
  • Your business tax ID (EIN)
  • Details of previous tax returns
  • An estimate of your monthly sales

Once you’ve entered this information, you’ll see a selection of loan offers you could qualify for, while the company’s underwriting team also reviews your application. Like many of its competitors, Rapid Finance advertises funds as being available “within hours”, which is faster than mainstream banks, but this process can take up to seven days.

How Much Can You Borrow? 

The amount you can borrow will depend on your business’ circumstances and the type of loan.

  • Small business loan: from $5,000-$1 million
  • Merchant cash advances: $5,000-$500,0000
  • Line of credit: $5,000-$250,0000
  • Bridge loan:$5,000-$1 million
  • SBA loan/invoice factoring: $500-$5.5 million
  • Asset-based loan/commercial real estate loan: $50,0000-$10 million 

Repayment Terms

The term of your loan will also depend on the type of loan.

  • Small business loan: between 3-60 months
  • Line of credit: amortization between 3-18 months
  • Bridge loan: between 3-60 months
  • SBA loan/invoice factoring: 1-30 years
  • Asset-based loan/commercial real estate loan: 6-36 months

Privacy and Security 

As well as encrypting your data on the website, Rapid Finance ensures only employees with the appropriate authority can view your personal information. The company has an extensive privacy policy and you can access, correct, or delete any details held about you by contacting the company over the phone or via email.

Help & Support

You can contact Rapid Finance over the phone, via email, or through its online query form. The company’s business hours are between 9:00 AM -6:00 PM ET on Mondays to Fridays.

For more general queries, the website also contains a number of online resources, including small business guides and a blog featuring articles on business-related topics.  

Phone: 1-(800)-664-0173

Email: customerservice@rapidfinance.com

Physical Address

4500 East West Highway,

6th Floor,

Bethesda, MD 20814


Rapid Finance provides a range of financing options to suit many types of businesses of varying size, industry or borrowing needs. Following a simple application process, you could get a quote within minutes and receive your funds as soon as the same day you apply.

Rapid Finance Rapid Finance View Rates

Rapid Finance customer testimonials

ExcellentReviews 1,315
TrustPilot is the world’s most powerful review platform, free and open to all.
  • author
    Carol McDonald
    a day ago
    Excellent! Highly recommend

    I have always had a great experience with Rapid Finance, and particularly with my Executive Business Advisor Anthony Birch. Highly recommend for your small business finance needs!


  • author
    Debbie Warren
    3 days ago
    Anthony handled our request…

    Anthony handled our request professionally and quickly Triple AAA!


  • author
    Mike Brown
    Jan 20, 2021
    Joel was Great

    I had Joel, He he made the process easy! I thought it was going to be a pain in the butt, But Joel made it go nice and smooth!


  • author
    Kristerpher Wilkerson
    Jan 13, 2021
    Joel was super helpful made the process…

    Joel was super helpful made the process extremely easy. The whole process was twice as easy as a previous company I used I'll definitely recommend you guys to as many people as possible.


  • author
    Nathan Fell
    Jan 13, 2021
    Jordan Buchanan was very professional

    Jordan Buchanan was very professional, fast acting, and knowledgeable. He was able to answer all questions and turn the loan around for me faster than expected. I highly recommend.


Rapid Finance