The specs
Greenbox CapitalRapid Finance
Product typeMulti-productMulti-product
Amount range$5K – $250K (MCA); other products vary$5K – $1M (across products)
Cost (factor / APR)Factor varies by paper; published commission up to 19% to ISOsUp to 5% of financing per public partner page; APR varies
Speed to fund24 – 48 hoursSame-day to 3 days
Min time in business6 months12 months
Min monthly revenue$15,000$10,000
Min credit scoreFlexible — accepts down to 500 on some programs600+
Products
- MCA
- Invoice factoring
- Equipment financing
- Collateral loans
- LOC
- MCA
- Term loan
- LOC
- Embedded lending
Verdicts by use case
- Lower credit floor (500-550 range) — Winner: Greenbox Capital. Greenbox accepts 500+ credit on some programs; Rapid Finance typically wants 550+. For credit-recovering merchants, Greenbox has more flexibility.
- Multi-product flexibility — Winner: Rapid Finance. Rapid Finance offers MCA + short-term loans + equipment financing. Greenbox is MCA-focused with narrower product mix.
- Industry-flexible underwriting — Winner: Greenbox Capital. Greenbox funds restaurants, trucking, construction, retail, services — broader industry acceptance than Rapid Finance's tighter underwriting.
- Speed to fund — Winner: Tie. Both 24-72 hours for clean files. Speed depends more on file quality than funder.
- Transparency on broker pricing — Winner: Greenbox Capital. Greenbox publishes ISO commission caps up to 19% — rare in the industry. Rapid Finance doesn't disclose ISO economics publicly.
The honest takeaway
Greenbox Capital and Rapid Finance solve overlapping but distinct problems. The right choice depends on three things you already know about your business: how fast you need the money, how long you've been operating, and whether the capital need is one-time or recurring.
Frequently asked questions
- Which has better factor rates?
- Rapid Finance's published range is 1.15-1.40 for cleaner files vs Greenbox 1.28-1.45. Going direct to either avoids broker markup that adds 4-8% on top.
- I have 525 credit and 8 months in business — which?
- Greenbox. Their 500+ floor and 6+ month TIB minimum fit your profile. Rapid Finance's 550+ likely declines you.
- Will either fund trucking?
- Greenbox yes, regularly. Rapid Finance is more selective on trucking — depends on cargo type and operating history.