Why RPI
We see your whole business, not just a score.
When the bank isn't there for you, you deserve a funding partner who takes the time to understand what you've built. That's what our underwriting is designed to do.
OUR UNDERWRITING, IN SHORT
Dozens of factors, not one or two numbers
Cash flow first, credit is only one part
Sized to protect you, not to max you out
A real person on every file
When the bank says no
A "no" from the bank isn't the end of your story.
Banks often turn away good businesses: too young, not enough collateral, a credit score that doesn't reflect how strong the business really is. Many quick-funding shops go the other way and approve almost anyone for as much as possible, then pile on more advances when things get tight. Neither one is looking out for you.
RPI was built to be different: careful enough to protect your business, and personal enough to see what a single score can't.
Our secret sauce
A proprietary underwriting model that weighs dozens of factors across your whole business
Most funding decisions come down to one or two numbers. Ours doesn't. Our model, designed in-house by a leader with nearly 28 years in commercial lending and corporate finance, weighs dozens of factors across your whole business and brings them together into one complete picture. Here are some of the areas those factors cover. A weak spot in one area doesn't have to define you when the rest of your business is strong.
Cash flow strength
What really comes in and goes out of your business, day to day and month to month. Cash flow matters more to us than any single credit number.
True revenue
We separate real sales from transfers, refunds and loan proceeds, so your offer reflects what your business actually earns.
Consistency and seasonality
Every business has busy and slow stretches. We look at your patterns and test your offer against a slower period before it ever happens.
What your business can carry
We weigh your margins and current obligations so the daily payment leaves room to run, and grow, your business.
Stability and track record
How long you've operated, how your business has handled ups and downs, and the momentum behind it today.
Purpose and potential
How you plan to use the funds and how that investment can pay for itself, because the best advance is one that helps you earn more.
The story behind the numbers
Statements don't tell the whole story. A real person reviews every file and talks with you, and exceptions go to senior leadership.
One complete picture
Together, these factors tell us not just whether to fund, but how much, on what terms and over what time, so the offer fits your business.
See What You Qualify ForThe specific factors, weights and thresholds in our model are proprietary. Every application is subject to underwriting and approval.
Protecting what matters most
Your business is your most important asset. Our job is to protect it.
Every safeguard in our process exists for one reason: so the funding helps your business instead of straining it. We would rather tell you "not yet," with a plan, than fund something that puts your business at risk.
Right-sized, never maxed out
Each offer is sized to what your business can comfortably carry and to finish in about nine months or less.
Ready for slow months
We test every offer against a slower sales period, and your payments shrink when sales do. What happens when business slows down
No stacking, ever
We fund in first position only and never add to a pile of existing advances.
No surprises
Two fees, both shown up front, and every number in plain English before you sign.
A CFO in your corner
Funded clients get a free cash-flow check-in every quarter with our finance team.
The difference, side by side
What to expect elsewhere, and what to expect from us
General comparison for education. Practices vary from funder to funder; always read any offer carefully.
Growing with an MCA
Used wisely, an advance is a bridge, not a trap.
Our founders used this kind of funding to grow a company from $0 to more than $50 million in revenue and earn their way to bank financing. We built RPI to help you make the same climb.
1
Invest in growth
Put funding toward equipment, people, inventory or contracts that bring in more than they cost.
2
Finish strong
Payments follow your sales, and a free quarterly cash-flow check-in with our finance team keeps you on track.
3
Renew on better terms
In good standing, the $395 documentation fee is waived and a larger advance may be available when revenue supports it.
4
Graduate
Build toward equipment financing, lines of credit and, when you're ready, lower-cost bank financing.
Every business is different; past results don't guarantee future outcomes.
MCA calculator
See how an advance would fit your business
Our calculator shows the math behind every RPI offer. Change the advance, factor rate and holdback, and see your total payback, every fee, your daily payment and your time to finish.
TRY IT WITH A $100,000 EXAMPLE
Let us see the whole picture of your business.
About five minutes to apply. Fast, clear decisions from the people who fund you.
All financing is subject to underwriting and approval.