Know exactly what you're signing

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 What to have ready.

How quickly will I hear back?

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

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.

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.

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 SSN, 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.

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.