TL;DR
Rapid Finance ranks #8 in our 2026 funder ranking. Best for merchants reached via saas embedded offers; established multi-product needs. The strength: Most explicit embedded-lending narrative in our list. The watch-out: Public ISO commission ceilings lower than Greenbox or Accord.
Rapid Finance rate card 2026
| Category | Multi-product |
| Best for | Embedded lending into vertical SaaS |
| Amount range | $5K – $1M (across products) |
| Cost (factor / APR) | Up to 5% of financing per archived partner page; APR varies |
| Speed to fund | Same-day to 3 days |
| Min time in business | 12 months |
| Min monthly revenue | $10,000 |
| Min credit score | 600+ |
The strength — what Rapid Finance does better than anyone
Most explicit embedded-lending narrative in our list. Partners with vertical SaaS platforms (POS, payroll, accounting). Strong product diversification.
The watch-out — what Rapid Finance doesn't put in marketing
Public ISO commission ceilings lower than Greenbox or Accord. Less broker-friendly for new ISOs.
Who Rapid Finance is best for
Merchants reached via SaaS embedded offers; established multi-product needs.
Who shouldn't apply
Merchants with less than 12 months in business will get an automatic decline — try Accord (3 months) or Greenbox (6 months) instead. Established multi-location operators may get better terms at OnDeck or NewCo Capital Group. As with any MCA decision, the cheapest money is the money you don't borrow — start with the calculator at /calculator to see if the deal you'd take from Rapid Finance actually makes sense.
How Rapid Finance compares to the rest of the top 10
| Funder | Category | Cost | Speed |
|---|---|---|---|
| Rapid Finance (this funder) | Multi-product | Up to 5% of financing per archived partner page; APR varies | Same-day to 3 days |
| Credibly | MCA + multi-product | Factor 1.11+ (MCA); APR varies for term + LOC | As fast as 4 hours |
| Greenbox Capital | Multi-product | Factor varies; published up to 19% ISO commission | 24 – 48 hours |
| Accord Business Funding | MCA specialty | Factor varies by paper grade (often 1.40+) | Next-day for approved files |
| Bluevine | LOC | APR 6.2% – 27% | 1 – 3 business days |
| OnDeck | Term + LOC | Term APR 27%+; LOC APR 30%+ | Same-day for approved files |
What to ask Rapid Finance before signing
- "What's the APR-equivalent on this deal?" A funder who can't or won't quote it has something to hide. Required disclosure in five states as of 2026.
- "Is there a prepayment discount?" Some funders charge the full factor regardless of payoff speed. Get the discount in writing before you sign.
- "What's the reconciliation policy if my revenue drops?" The best funders adjust the daily ACH downward when deposits drop. Many won't. Ask in writing.
- "Will you stack on top of an existing position?" Stacking is one of the top reasons MCA merchants default. If a funder accepts second/third position freely, that's a yellow flag for the merchant.
Frequently asked questions
- Is Rapid Finance a direct funder or a broker?
- Rapid Finance is a direct funder — they underwrite and deploy capital from their own balance sheet (or institutional credit facility), not by routing your file to other lenders. This matters because direct funders are accountable for the terms they quote.
- What's the minimum revenue Rapid Finance will fund?
- Rapid Finance's published floor is $10,000 in average monthly revenue, with 12 months minimum time in business. Credit score floor is 600+. These are box minimums — actual approval requires bank statements showing consistent daily deposits and acceptable NSF history.
- How fast can Rapid Finance fund?
- Rapid Finance's public speed quote is Same-day to 3 days. In practice, clean files (consistent revenue, no NSFs, no second position) fund at the fast end of that range. Files needing additional documentation, second-position deals, or larger amounts ($250K+) take longer.
- Should I go directly to Rapid Finance or through a broker?
- Going direct gets you a single quote with no broker commission baked into the factor rate. Going through a broker (like Fundnode) gets you scored against multiple funders, including Rapid Finance, with full disclosure of how we earn. There's no universal right answer — but if you only want one quote, going direct saves the broker's cut.
- What's Rapid Finance's biggest weakness vs alternatives?
- Public ISO commission ceilings lower than Greenbox or Accord. Less broker-friendly for new ISOs.
Head-to-head: Rapid Finance vs alternatives
Side-by-side comparisons with rate cards, use-case verdicts, and FAQs for picking between Rapid Finance and the closest alternatives in our 2026 ranking:
Head-to-head
Rapid Finance vs Credibly
See the comparison →
Head-to-head
Rapid Finance vs Bluevine
See the comparison →
Head-to-head
Rapid Finance vs Credibly
See the comparison →
Related reading
- The full 2026 ranking of 10 MCA funders — where Rapid Finance sits and why.
- How factor rates actually work — the math behind Up to 5% of financing per archived partner page.
- How to qualify for an MCA in 2026 — the 7 things underwriters check.
- Take the fundability quiz — find your tier in 2 minutes.