Frequently Asked Questions

We offer same-day approvals and funding within 24-48 hours in most cases. Our streamlined process ensures you get the working capital you need—without the long waits of traditional banks.

Unlike banks, we have flexible requirements. To qualify, you typically need:

• A business operating for at least 6 months

• Minimum monthly revenue of $10,000

• A 550+ credit score (varies by loan type)

Even if you don’t meet all the criteria, we have alternative funding options available!

We provide a variety of funding solutions to fit your needs, including:

• Merchant Cash Advances (MCA) – Flexible repayment based on sales

• Term Loans – Fixed payments over time

• SBA Loans – Government-backed with low rates

• Line of Credit – Access funds when you need them

• Equipment & Invoice Financing – Fast capital for growth

We believe in transparency—no hidden fees, no surprises. Interest rates depend on factors like your credit score, revenue, and loan type, but we offer highly competitive rates tailored to your business. We’ll walk you through all costs upfront so you can make an informed decision.

The entire process is digital and completed online through the Rise Capital Consulting website. All that’s required to get an initial approval is a 5-minute application form and the most recent business bank statements, which can be uploaded directly to the Rise Capital Consulting merchant portal or submitted via email. 

Of course, when it’s time for funding we will also require a copy of the front of the business owner's driver’s license and a voided check to verify where to send funds

Yes! We work with businesses of all credit backgrounds. Even if you’ve been denied elsewhere, we have flexible loan options based on your revenue and cash flow—not just your credit score.

🚀 Apply now, and let’s get your business the funding it needs—fast!

There are more than 100 participants in our network, including bank and non-bank lenders and direct funding providers, with new sources of funding being added on a regular basis.

Rise Capital Consulting does not perform any credit checks on its applicants. Each direct funding provider may, at its discretion, perform a credit and/or background check at some point during the underwriting process.

Most funding providers are able to issue an approval without any up-front credit check or with a “soft” credit pull that does not result in an inquiry appearing on the applicant’s credit report. Others require a “hard” credit pull, either up front or prior issuing contracts. Most funding providers will require a full credit inquiry at some point prior to funding. If an applicant is sensitive about credit inquiries, Rise Capital Consulting can instruct its funding providers not to initiate a “hard” credit pull provided that the applicant submits a copy of a full credit report generated within the past 30 days

All funding products are offered by third-parties. Rise Capital Consulting is a platform that matches small business applicants with direct funding providers.

Rise Capital Consulting can arrange commercial financing in all 50 states, plus Puerto Rico and the US Virgin Islands.  It also services Canada, including Quebec.