When business slows down
A slow month shouldn't feel like a trap. With RPI, it won't.
Every business has slow stretches: weather, seasons, a lost customer, a road project out front. Here's exactly what happens with an RPI advance when sales dip, and what we'll do together if a slowdown lasts longer.
Built in from day one
Your payment shrinks when your sales do
With an RPI advance, you don't owe a fixed daily amount. You share a set percentage of each day's card sales through your processor. So on a slower day, a smaller amount goes to RPI automatically. You don't have to call anyone or ask permission.
A slow week means a smaller payment, not a missed payment. There's no fixed due date, so a slower season simply takes a little longer to finish.
EXAMPLE: A 10% DAILY SHARE
A busy day
$10,000 in card sales
$1,000
A normal day
$8,000 in card sales
$800
A slow day
$4,000 in card sales
$400
A very slow day
$1,000 in card sales
$100
Illustration only. Your actual percentage depends on underwriting.
If a slowdown lasts longer
Call us early. We'll work through it together.
If your sales drop for an extended stretch, your agreement gives you a way to have your payments reviewed against what your business is actually bringing in. The sooner you reach out, the more options we have together.
1
Reach out
Call or email us as soon as you see a slowdown coming. You'll talk to a real person who knows your file.
2
Share recent statements
Upload your latest bank and card statements through our secure portal so we can see what's really happening.
3
Review together
We compare your payments to your actual receipts, as your agreement provides, and talk through what's driving the dip.
4
A plan that fits
We agree on a clear path forward, in writing and in plain English, so you can focus on getting your business back on track.
Our commitments in tough times
What you can count on from RPI
✓ A real person who answers and listens
✓ Payments that follow your actual sales
✓ We'll never push another advance on top of the one you have
✓ Every option explained in plain English, in writing
✓ Free quarterly cash-flow check-ins to spot trouble early
Know the warning signs
How businesses get trapped elsewhere
Fixed daily withdrawals that stay the same no matter how slow sales get.
Offers to stack a second or third advance to cover the first.
No clear way to adjust payments when your receipts drop.
Advances sized too large, stretching your daily cash flow from day one.
General education. Practices vary from funder to funder; always read any agreement carefully.
Questions about how a slow season would work for you?
Ask us before you apply. That's what we're here for.