Merchant cash advances for established Georgia businesses

Real underwriting. Honest terms. Room to grow.

Funding that's on your side: no stacking, payments that rise and fall with your sales, and a team that looks at your whole business, not just a score.

Check Your Eligibility Try the MCA Calculator

Not sure yet? Take the 1-minute fit check or talk to a real person.

AT A GLANCE

$25K to $250K

Advances sized to what your business can carry

9 months or less

Every advance is sized to finish in about nine months or less

Zero stacking

We never fund on top of existing advances

No stacking● Every fee up front● Payments that move with your sales● Direct funder, never brokers● Cartersville, Georgia

How we're different

Funding that's on your side

Why RPI Is Different

We don't stack.

We won't fund on top of existing advances. We fund your business, not your next advance.

Pay as you sell.

A small share of each day's card sales goes to RPI through your processor. Slow days mean smaller payments.

Smart underwriting, personal service.

Our proprietary model does the heavy lifting, and a real person reviews every file. Direct from us, never through brokers.

How it works

Four clear steps

The Full Process

Apply online

A short application that takes about five minutes.

Upload securely

Bank and card processing statements, through our secure portal only.

Review your offer

Every number in plain English, with every fee shown before you sign.

Get funded

Repayment is a set share of card sales, sent through your processor.

See the math

Build your own advance

Move the sliders to see exactly how an advance works: what you receive, what it costs, and how the daily payment follows your sales. There's never a fixed due date.

Open the Full Calculator Walk Through the Full Example

YOUR INPUTS

Drag a slider or type an exact number.

Advance amount

$25,000$250,000

Factor rate

1.101.50

Holdback (daily share of card sales)

5%20%

Average daily card sales

$2,000$25,000

RPI's daily share

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What you keep each day

Before normal processing fees

RPI shareYour share

Advance amount{{ advFmt }}

Total payback at {{ facFmt }}{{ paybackFmt }}

Origination fee (2.5%){{ origFmt }}

Documentation fee$395

Deposited in your account after fees{{ depFmt }}

Cost of the funding (payback minus advance){{ costFmt }}

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Estimated time to finish

{{ days }} business days · about {{ months }} months

03 mo6 mo9 mo12+ mo

This combination would take longer than our nine-month guideline. In a real offer, underwriting would size the advance or daily share so it finishes sooner.

Illustration only. Assumes steady daily card sales and 21.7 business days a month; slower sales mean smaller payments and more time. Factor rate and holdback ranges are examples, not RPI pricing. Your actual amount, factor rate, percentage and timing depend on underwriting.

Compare your options

MCA vs. bank loan vs. line of credit vs. SBA loan

There's no single best way to fund a business. Here's an honest comparison, including when an advance isn't the right fit.

Read the Full Guide

	Merchant cash advance	Bank term loan	Business line of credit	SBA loan
How you repay	A percentage of daily card sales	Fixed monthly payments	Payments on what you draw	Fixed monthly payments, often over 10 years or more
How cost works	A factor rate set up front	Interest on the remaining balance	Interest on the amount drawn	Interest (prime plus a spread), plus SBA guarantee and lender fees
What lenders focus on	Recent sales and cash flow	Credit, financial statements, collateral, time in business	Credit, financial statements, collateral	Credit, financial statements, collateral, plus SBA eligibility rules
Personal guarantee	Your offer spells out exactly what is required	Often required from owners	Often required from owners	Required: a full, unconditional personal guarantee from every owner of 20% or more, and lenders may also take liens on personal assets
Paperwork	Light: statements and a short application	Heavy: tax returns, financial statements, projections	Moderate to heavy	Heaviest: tax returns, financial statements, projections and SBA forms
Typical timeline	Often days	Often weeks to months	Often weeks	Longest: often 60 to 90 days or more
Best for	Short-term, revenue-producing needs	Large, long-term investments	Ongoing, flexible working capital	Long-term growth, real estate or acquisitions, when you can wait and pledge personal guarantees

When a bank loan fits

Two or more years of strong financial statements, good credit and time to wait. Usually the lowest cost, and the right tool for long-term investments.

When a line of credit fits

A safety net for evening out seasonal cash flow. You pay only on what you draw, but banks want the same strong financials.

When an SBA loan fits

Long-term, lower-cost capital for real estate, acquisitions or major growth. Expect the longest wait, the most paperwork and a full personal guarantee from every owner of 20% or more.

When an advance fits

You need funding quickly for a short-term opportunity, want payments that follow your sales, or your history doesn't yet meet a bank's requirements.

Our honest advice: if a bank or SBA loan will fund you at a lower cost and you can wait, and you're comfortable with the personal guarantee, take it. If you need flexibility and speed now, an advance can be a bridge to that next stage.

Every business is different; past results don't guarantee future outcomes.

Grow with RPI

Capital that works as hard as you do

The best use of an advance is one that pays for itself. Here's how owners put funding to work.

All Ways to Grow

Equipment

Add capacity, replace aging machines, or bring outsourced work in-house.

Hiring

Add technicians, staff or a salesperson to take on more jobs.

Inventory

Stock up ahead of busy seasons or buy in bulk at a discount.

Larger contracts

Cover materials and labor up front so you can say yes to bigger orders.

Marketing

Fund campaigns that bring in new customers and steady revenue.

Expansion

Open a new location, add space or upgrade your storefront.

Who we fund

Built for established Georgia businesses

✓A Georgia-based business
✓12 months or more in business
✓Steady monthly card sales
✓No open advances, or ones paid off at funding

Am I a Fit? Take the 1-Minute Check Who We Fund

How we decide

Smart underwriting, built around your business

Whole business, not one score. Dozens of factors, with cash flow first.

Sized to what you can carry. Three sizing tests; the most conservative wins.

Tested for slow months. We plan for them before they happen.

A real person on every file. Exceptions reviewed by senior leadership.

See How Our Underwriting Protects You

Our story

We've sat in your chair.

Before RPI funded anyone, our founders were the ones hoping someone would say yes. When the banks wouldn't, alternative financing helped them make payroll, take on bigger orders and keep going. Year by year they built a company from $0 to more than $50 million in revenue, and earned their way to the bank financing that once said no.

They never forgot how much it meant when someone believed in what they were building. Now it's our turn to believe in you.

WHERE THEY STARTED

Merchant cash advance

WHERE THEY STARTED

Receivables financing

WHERE THEY GREW

Equipment financing

WHERE THEY GREW

Business line of credit

WHERE THEY GREW

Bank partnership

Every business is different; past results don't guarantee future outcomes.

Read Our Full Story

Learning Center

Know exactly what you're signing

Eight plain-English guides, three to four minutes each.

All Resources

How a merchant cash advance works

The basics, using a $100,000 example.

MCA vs. bank loan vs. line of credit vs. SBA loan

When each makes sense.

What is split funding?

How repayment through your processor works.

Factor rates and total cost

How to calculate total payback.

How to read your offer

Each line of the Georgia disclosure.

Avoiding the stacking trap

Why multiple advances hurt businesses.

Smart ways to use funding

Equipment, hiring, inventory and contracts.

How to become bank-ready

Steps toward traditional financing.

Frequently asked questions

Straight answers, and why owners choose RPI

All 19 questions. Tap any question to close or open it.

Getting started

Is a merchant cash advance a loan?

No. We buy a portion of your future card sales at an agreed price and pay you up front. There's no interest rate, no fixed monthly payment and no set due date.

Who qualifies?

Established Georgia businesses with 12 months or more in business and steady card sales.

How much can I get?

Advances range from $25,000 to $250,000. Every offer is sized to what your business can comfortably carry, not the biggest number we can justify.

How long does it take to apply?

About five minutes. We ask each question once and list every document up front, so there's very little back-and-forth.

What documents do I need?

Recent bank and card processing statements, a voided check, photo ID and your formation document. See the full list on How It Works.

How quickly will I hear back?

We make fast, clear decisions, and you hear directly from the people who make them.

Cost and repayment

What does it cost?

Your offer shows the factor rate, total payback, daily share and every fee before you sign, along with the disclosure Georgia requires. You'll know your exact cost up front. Want to see it now? Try the MCA calculator.

Are there fees?

Two, both shown up front and taken out of the funding amount: a 2.5% origination fee and a $395 documentation fee. No surprise fees and no separate bill.

How do I repay?

A small share of each day's card sales goes to RPI automatically through your card processor. No fixed daily withdrawals from your bank account.

What if my sales slow down?

Your payments get smaller, because you repay a percentage of sales. A slow week means a smaller payment, not a missed one. See what happens when business slows down.

Is there a due date?

No fixed due date. Every advance is sized to finish in about nine months or less, and stronger businesses earn lower factor rates and more time to finish.

Can I renew?

Yes. Clients in good standing get the $395 documentation fee waived on renewal and may qualify for a larger advance when revenue supports it.

Working with RPI

Does my credit score matter?

It's one factor, but your business's cash flow matters most. Our proprietary model looks at the whole business, not just one or two numbers.

I already have an advance. Can I still apply?

We fund in first position only, so an existing advance generally needs to be paid off at funding, and we can look at covering that payoff. We never add to a stack.

Do you work with brokers?

We fund directly with our own capital, so you work with the people who make the decision. We also work with approved referral partners.

Who reviews my application?

Our proprietary model does the heavy lifting, and a real person reviews every file. Exceptions are reviewed by senior leadership.

Is my information secure?

Yes. Documents go only through our secure portal. We ask for just the last four digits of your Social Security number, never passwords, PINs or full account numbers.

What makes RPI different?

No stacking, payments that move with your sales, plain-English terms, a direct funder and founders who built a $50+ million company with this same kind of financing. Every business is different; past results don't guarantee future outcomes. Read why RPI is different.

What happens after I finish?

Renewal benefits, first access to RPI's future equipment, secured financing and credit-line products, and referrals to bank partners when you're ready.

Ready to see what your business qualifies for?

About five minutes. Fast, clear decisions.

Check Your Eligibility Talk to a Real Person

All financing is subject to underwriting and approval.

Calculator Check Eligibility