FAQ | RBF Capital Business Lending

Question 1

What types of businesses does RBF Capital work with?

Accepted Answer

We work with small and mid-sized businesses across virtually every industry — retail, restaurants, healthcare, construction, trucking, professional services, and more. If your business has been operating for at least 6 months and generates consistent revenue, we likely have a program for you.

Question 2

How long does the approval process take?

Accepted Answer

Most applications receive a decision within 24–48 business hours. Once approved and documents are signed, funding can be deposited in as little as 1–2 business days.

Question 3

Does applying affect my credit score?

Accepted Answer

No. Our initial application uses a soft credit pull only, which does not impact your credit score. A hard inquiry is only performed if you choose to move forward with a formal loan offer.

Question 4

What states do you lend in?

Accepted Answer

We lend to businesses in all 50 states. Our team is experienced with state-specific regulations and can guide you through any requirements in your area.

Question 5

What is MCA debt refinancing?

Accepted Answer

Merchant cash advance (MCA) debt refinancing consolidates one or more high-cost MCAs into a single, structured loan with a fixed monthly payment and lower overall cost. It stops the daily or weekly debits that strain cash flow and replaces them with predictable, affordable payments.

Question 6

How much can I borrow with a business term loan?

Accepted Answer

Our business term loans range from $50,000 to $5,000,000. The amount you qualify for depends on your annual revenue, time in business, credit profile, and the purpose of the loan.

Question 7

What is an SBA 7(a) loan and do I qualify?

Accepted Answer

The SBA 7(a) is a government-backed loan program offering competitive rates and terms up to 25 years. It's ideal for established businesses seeking larger amounts for expansion, real estate, or acquisition. As an SBA-approved lender, we can guide you through the full process. General requirements include 2+ years in business, strong revenue, and good personal credit.

Question 8

Can I apply for more than one loan product?

Accepted Answer

Yes. In some cases, a combination of products — such as an SBA 7(a) for long-term capital alongside a term loan for immediate needs — may be the right structure. Your advisor will help you evaluate the best approach for your situation.

Question 9

What documents do I need to apply?

Accepted Answer

For most programs you'll need: 3–6 months of business bank statements, a government-issued ID, and basic business information (legal name, EIN, time in business). SBA 7(a) loans require additional documentation including tax returns, financial statements, and a business plan.

Question 10

What credit score do I need?

Accepted Answer

Requirements vary by program. Business term loans and MCA refinancing are available to borrowers with scores as low as 550. SBA 7(a) loans generally require a personal credit score of 650 or higher. Your advisor can help identify the best program for your current profile.

Question 11

How much revenue does my business need to qualify?

Accepted Answer

For business term loans and MCA refinancing, we typically look for a minimum of $10,000 in average monthly revenue. SBA 7(a) requirements vary based on loan size and industry. Revenue consistency matters as much as the total amount.

Question 12

What interest rates do you charge?

Accepted Answer

Rates depend on the loan program, your credit profile, time in business, and loan amount. Business term loan rates typically range from 7% to 25% APR. SBA 7(a) rates are tied to the prime rate and are among the most competitive available. Your advisor will present a clear breakdown before you commit to anything.

Question 13

Are there prepayment penalties?

Accepted Answer

Most of our business term loans have no prepayment penalties, meaning you can pay off your loan early without additional fees. SBA 7(a) loans may have prepayment fees for loans with terms over 15 years — your advisor will explain any applicable terms upfront.

Question 14

How are repayments structured?

Accepted Answer

Business term loans and MCA refinancing use fixed monthly payments via ACH, making it easy to plan your cash flow. SBA 7(a) loans also use monthly payments. There are no surprise debits or variable payment schedules.

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