Capital structured
around your business
Whether you're refinancing expensive MCA debt, funding growth, or accessing government-backed capital — we have a loan built for your situation.
MCA Debt Refinance
Break free from the MCA cycle
Merchant cash advances can feel like a trap — daily debits, stacked positions, and rates that make it nearly impossible to grow. RBF Capital consolidates your MCA obligations into a single, structured term loan with a fixed monthly payment and a clear payoff date. We work with businesses carrying multiple MCA positions and can often fund within 48 hours of approval.
Key Benefits
- Consolidate multiple MCA positions into one payment
- Reduce daily/weekly payment burden by up to 60%
- Fixed monthly payments — no more daily debits
- Clear payoff timeline so you can plan ahead
- Improve cash flow immediately upon funding
Ideal For
Loan Details
Business Term Loans
Straightforward capital, transparent terms
Our business term loans deliver capital from $50,000 to $5 million with fixed monthly payments and no hidden fees. Whether you're expanding locations, purchasing equipment, hiring staff, or building working capital reserves — we structure the loan around your cash flow and business goals. Our underwriting is fast, our terms are clear, and your dedicated advisor walks you through every step.
Key Benefits
- Fixed monthly payments for easy budgeting
- No prepayment penalties on most programs
- Funds deposited directly to your business account
- Dedicated loan advisor from application to close
- Transparent APR — no surprise fees
Ideal For
Loan Details
SBA 7(a) Loans
Government-backed capital with long-term terms
The SBA 7(a) program offers some of the most favorable loan terms available to small businesses — longer repayment periods, lower down payments, and competitive rates. RBF Capital is an experienced SBA lender that guides you through the application process, handles the paperwork, and works to close your loan as efficiently as possible. Ideal for acquisitions, commercial real estate, and large capital investments.
Key Benefits
- Longest repayment terms available — up to 25 years
- Lower monthly payments vs. conventional loans
- Government guarantee reduces lender risk
- Can be used for acquisitions, real estate, and more
- Competitive rates tied to prime rate
Ideal For
Loan Details
From application to funded in 4 steps
Apply Online
Complete our 5-minute application. No hard credit pull required to get started.
Same-Day Review
Our underwriting team reviews your application and issues a decision within hours.
Review Your Offer
Your advisor walks you through the loan terms, rate, and repayment schedule.
Get Funded
Sign your documents and receive funds directly in your business bank account.
Not sure which loan
is right for you?
Talk to a dedicated advisor. We'll match you with the right product for your business in minutes.