How It Works
Getting business funding through Rise is simple. Apply online in under 5 minutes, complete our secure pre-qualification portal, speak with a dedicated Rise representative about your options, and get funded in as little as 24 hours. No bank visits, no mountains of paperwork, no waiting weeks for a decision.
Get Funded in 4 Simple Steps
Apply Online in Under 5 Minutes
Complete a short online application with basic information about your business. No bank visits, no branch appointments. The entire form takes under 5 minutes and uses a soft credit pull that won't impact your credit score.
Complete Pre-Qualification
After submitting your application, you'll enter our secure pre-qualification portal. Here we collect the documentation our underwriting team needs to prepare your funding offer: a valid driver's license, 3 months of bank statements, proof of business ownership, and a voided business cheque. All documents are uploaded securely online.
Review Your Offer with a Rise Representative
A dedicated Rise representative contacts you to understand your specific business needs. They review the underwriter's offer with you, explain the terms, answer your questions, and help you choose the funding option that best fits your situation. You're never left guessing.
Accept and Get Funded
Once you accept your offer, funds are deposited directly into your business bank account. The fastest a Rise borrower has received funding is 24 hours from application to money in the bank. Most businesses receive funds within 1 to 3 business days.
What You'll Need to Apply
Valid Driver's License
A government-issued photo ID to verify your identity.
3 Months of Bank Statements
Recent business bank statements showing your revenue and deposit patterns.
Proof of Business Ownership
Business license, articles of incorporation, or similar documentation.
Voided Business Cheque
A voided cheque from your business bank account for funding deposit setup.
That's it. No tax returns, no financial statements, no business plans. Rise focuses on your revenue performance, not paperwork.
Why Business Owners Choose Rise
One Application, Multiple Options
You fill out one application. Rise matches you with the best funding option from a network of lenders. No need to apply separately at multiple banks or lenders.
A Real Person, Not Just an Algorithm
Every applicant speaks with a dedicated Rise representative who understands their business and explains every option. You're not left decoding financial jargon on your own.
Fast Decisions, Faster Funding
Most applications are reviewed within hours, not weeks. Funding can be deposited in as little as 24 hours. When your business needs capital, Rise moves at your pace.
Built for Businesses Banks Turn Away
Minimum FICO of 500. As little as 3 months in business. Revenue-based qualification that looks at your cash flow, not just a credit score. Rise helps businesses that traditional banks won't serve.
Basic Qualification Requirements
Personal FICO Score
500+
Requirements vary by product. Merchant cash advances and short-term loans are the most accessible. SBA loans require 680+.
Monthly Revenue
$25,000+
Lenders evaluate your bank deposits and revenue consistency. Seasonal fluctuations are understood and accommodated.
Time in Business
3+ months
Some products accept businesses as young as 3 months. Long-term loans and SBA products require 2+ years.
Bank Account
Business account required
Used to verify revenue patterns and manage funding deposits. Personal accounts are not accepted.
Not sure if you qualify? Apply in under 5 minutes and a Rise representative will help you understand your options. The application uses a soft credit pull and won't impact your score. Rise evaluates your full business picture, whether you run a restaurant, a construction company, or a growing ecommerce brand.
Explore Your Financing Options
Frequently Asked Questions About
Getting Business Funding
Most businesses receive a decision within hours of completing the application. The fastest a Rise borrower has been funded is 24 hours from application to money in the bank. Most businesses receive funds within 1 to 3 business days. SBA loans take longer, typically 30 to 90 days.
Ready to Get Started?
Apply online in under 5 minutes. A Rise representative will guide you through every step. No obligation, no credit impact, and funding in as little as 24 hours.