Question 1

What is Rise Business Funding?

Accepted Answer

Rise Business Funding is a business financing broker that connects small and medium-sized businesses with capital. We work with a network of lenders to match your business with the right funding product, whether that’s a business line of credit, equipment financing, SBA loan, merchant cash advance, or another product. Our goal is to find the best fit for your business, not push a single product.

Question 2

What states does Rise operate in?

Accepted Answer

Rise Business Funding operates in all 50 U.S. states. Businesses anywhere in the country can apply for financing through Rise.

Question 3

What types of businesses does Rise work with?

Accepted Answer

Rise works with businesses across all industries, including healthcare, restaurants, retail, manufacturing, transportation, consulting, landscaping, real estate, automotive services, beauty and wellness, and more. If your business has consistent revenue, we can likely help.

Question 4

What financing products does Rise offer?

Accepted Answer

Rise connects businesses with a wide range of financing products including business lines of credit, short-term business loans, long-term business loans, merchant cash advances, SBA loans, equipment financing, invoice factoring, revenue-based financing, term loans, cash flow loans, bridge financing, and subordinated debt.

Question 5

How is Rise different from a bank?

Accepted Answer

Banks offer a single set of products with rigid qualification criteria and long approval timelines. Rise is a broker. We evaluate your business and match you with the best funding option from a network of lenders. This means faster approvals (often the same day), more flexible qualification requirements, and access to products that banks don’t offer, like merchant cash advances and revenue-based financing.

Question 6

How do I contact Rise Business Funding?

Accepted Answer

You can reach Rise by email at info@risebusinessfunding.com or by phone during business hours, Monday through Friday, 9 AM to 5 PM EST. You can also start an application online at any time, and a Rise representative will follow up with you directly.

Question 7

What are the basic requirements to qualify for business funding?

Accepted Answer

General requirements vary by product, but most Rise financing products require a minimum personal FICO score of 500+, at least $10,000 in monthly revenue, a minimum of 3 to 6 months in business, and a business bank account. Specific thresholds differ by product. SBA loans have stricter requirements than merchant cash advances, for example.

Question 8

Can I get funding if I have bad credit?

Accepted Answer

Yes. Several financing products are designed for businesses with lower credit scores. Merchant cash advances and some short-term loans focus primarily on your revenue performance rather than your credit score. Businesses with scores as low as 500 can qualify. Equipment financing is also more accessible because the equipment itself serves as collateral.

Question 9

Can a startup or new business get funding?

Accepted Answer

It depends on the product. Merchant cash advances are available to businesses with as little as 3 months of operating history. Equipment financing is available at 6+ months. Long-term loans and SBA loans typically require 2+ years. The key factor is demonstrating consistent revenue, even if your business is new.

Question 10

Does my industry affect my ability to qualify?

Accepted Answer

Rise works with businesses across all industries. Some industries have unique cash flow patterns. Restaurants have seasonal demand, healthcare has insurance reimbursement delays, manufacturing has net-30/60/90 payment terms. Rise understands these patterns and evaluates your business accordingly. Industry-specific challenges like seasonal revenue won’t automatically disqualify you.

Question 11

What is the minimum funding amount?

Accepted Answer

The minimum funding amount through Rise is $10,000. Maximum amounts vary by product: up to $500,000 for most products, and up to $5,000,000 for SBA loans and long-term business loans.

Question 12

Do I need collateral to get business funding?

Accepted Answer

Not for most products. Merchant cash advances, business lines of credit, revenue-based financing, and cash flow loans are typically unsecured. Equipment financing uses the equipment itself as collateral, so no additional assets are required. SBA loans and some long-term loans may require collateral for larger amounts.

Question 13

Which financing product is right for my business?

Accepted Answer

It depends on your needs. Use our business loan calculator to compare options, or apply online and a Rise representative will help you identify the best fit based on your revenue, credit profile, time in business, and how you plan to use the capital.

Question 14

How do I apply for business funding through Rise?

Accepted Answer

Start by clicking "Apply Now" or "Check Eligibility" on any page. You’ll complete a short online form that takes under 5 minutes. After you submit, a Rise representative will contact you to collect your documents and guide you through the next steps.

Question 15

What documents do I need to apply?

Accepted Answer

You will need a valid driver’s license, 3 months of recent bank statements, proof of business ownership, and a voided business cheque. That’s it for most products. Rise focuses on your revenue performance rather than extensive paperwork.

Question 16

Will applying affect my credit score?

Accepted Answer

No. Rise uses a soft credit inquiry during the initial application, which does not impact your credit score. If you proceed to a formal funding offer from a lender, a hard inquiry may be conducted at that stage, but the initial application is risk-free.

Question 17

How long does the application take?

Accepted Answer

The online application takes under 5 minutes to complete. After you submit, a Rise representative will reach out to collect your documents and begin the review process. Most businesses receive a decision the same day.

Question 18

What happens after I submit my application?

Accepted Answer

A Rise representative will contact you directly to collect your documents (driver’s license, bank statements, proof of ownership, voided cheque). Your documents are submitted to an underwriter for review. Once approved, you’ll receive your funding options and can choose the best fit for your business.

Question 19

Is there any obligation if I apply?

Accepted Answer

No. Submitting an application does not commit you to anything. You are free to review your funding options and decide whether to proceed. There is no fee to apply, and the initial application uses a soft credit pull that won’t impact your score.

Question 20

How fast can I get funded?

Accepted Answer

The fastest a borrower has received funding through Rise is 24 hours from application to money in the bank. Most businesses receive a decision within hours and funding within 1 to 3 business days, depending on the product. SBA loans take longer, typically 30 to 90 days, due to the government-backed approval process.

Question 21

How much funding can my business get?

Accepted Answer

Funding amounts start at a minimum of $10,000 and go up to $5,000,000 depending on the product, your revenue, credit profile, and time in business. Most businesses qualify for amounts between $10,000 and $500,000. Use our business loan calculator to estimate what your business may qualify for.

Question 22

What can I use business funding for?

Accepted Answer

Most financing products can be used for any business purpose: equipment, inventory, payroll, marketing, renovations, expansion, debt consolidation, emergency expenses, or working capital. Equipment financing is the exception; those funds can only be used to purchase the specific equipment named in the loan.

Question 23

Can I apply for additional funding if I already have an active loan or advance?

Accepted Answer

In many cases, yes. Some products allow stacking or renewal once you’ve repaid a portion of your current balance. Whether you can take on additional funding depends on your current obligations and your business’s ability to handle the combined repayment. A Rise representative can help you evaluate your options.

Question 24

Can I pay off my funding early?

Accepted Answer

Many products allow early payoff. Some may carry prepayment terms, especially in the first few months. Rise works with lenders who offer transparent terms so you understand the full cost before you accept any funding offer. Ask your Rise representative about the specific prepayment terms for your product.

Frequently Asked Questions

About Rise Business Funding

Qualification & Eligibility

Application Process

Funding Terms

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