Financing solutions
A merchant cash advance built around your sales
Advances from $25,000 to $250,000 for established Georgia businesses, each sized to finish in about nine months or less.
AVAILABLE NOW
Funding today, repaid from future sales
A merchant cash advance is not a loan. We buy a portion of your future sales at an agreed price, and we pay you up front.
- We agree on an amount.We look at your sales history and offer an advance sized to what your business can comfortably repay.
- You get funded.The money goes into your business bank account. Our fees come out of the funding amount, so you never get a separate bill.
- Repayment happens automatically.Each day, a small percentage of your card sales goes to RPI through your card processor. You don't write checks or watch for withdrawals.
- Busy days pay more, slow days pay less.Your payment follows your business. A slow week means smaller payments, not a missed payment. What happens when business slows down
- You're done when the agreed amount is delivered.There's no fixed due date and no interest that keeps building.
Worked example
A $100,000 advance, step by step
1 · THE ADVANCE
$100,000
The amount RPI provides.
2 · THE FACTOR RATE
$130,000
At 1.30, the business delivers $130,000 in total ($100,000 × 1.30). The $30,000 difference is the cost of the funding.
3 · FEES AT FUNDING
$97,105
A 2.5% origination fee ($2,500) plus the $395 documentation fee, $2,895 in total, come out of the advance. $97,105 lands in your bank account.
4 · THE DAILY SHARE
10%
Of each day's card sales, sent automatically through your processor. An $8,000 day sends $800; a $5,000 day, $500; a $10,000 day, $1,000.
5 · HOW LONG IT TAKES
~7.5 months
At $8,000 in average daily card sales: $130,000 ÷ $800 = about 163 business days, or roughly 33 weeks. Slower sales mean smaller payments and a little more time.
6 · TOTAL COST
$32,895
$30,000 (factor) + $2,895 (fees).
This example is for illustration only. Your actual amount, factor rate, percentage and timing depend on underwriting.
Now Try Your Own NumbersKey terms
Plain-English glossary
Factor rate
The number that sets your total cost. A $100,000 advance at 1.30 means $130,000 total.
Holdback
The percentage of daily card sales that goes to RPI.
Split funding
Your card processor sends RPI's share directly, before the rest reaches your account.
Origination fee
A one-time fee taken out of the funding amount.
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