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Frequently Asked Questions

These are the business funding questions we hear most often from owners exploring financing for the first time or comparing options. Whether you want to understand eligibility, compare products, or know what happens after approval, the answers are below.

Eligibility & Requirements

For many financing products in our network, common starting guidelines include at least 6 months in business, around $25,000 in monthly revenue, and a personal credit score of 500 or higher. Some products have stricter requirements — SBA 7(a) loans often require stronger credit and more time in business, while bridge financing may weigh revenue more heavily than credit score. To see which options may fit, you can submit an application. It typically takes about 5 minutes, and the initial application does not trigger a hard credit inquiry.

Yes. Some financing products may be available to businesses with credit scores as low as 500. Revenue-based financing, merchant cash advances, and some equipment financing programs often focus more on cash flow and revenue history than personal credit. The trade-off is that lower credit scores generally mean higher costs. For more detail, see our guide on getting a credit line with no credit check.

In most cases, the initial application and review process does not trigger a hard credit pull. A soft inquiry may be used to assess your profile, and that typically does not impact your credit score. A hard pull may occur if you choose to move forward with a specific financing offer, and we inform you before that happens.

For many applications, you typically need your last 3 months of business bank statements and a valid government-issued ID. Some products require additional documentation — SBA loans may ask for tax returns, a business plan, and financial projections. Our team lets you know exactly what is needed for your specific situation after the initial review. Start your application here.

It depends on the product. Equipment financing uses the equipment itself as collateral, which can make approval easier. SBA loans may require business assets or real estate. Lines of credit, merchant cash advances, and revenue-based financing are often unsecured. Personal guarantees may also be required depending on the product and deal size.

We work with businesses across a wide range of industries. Our most active sectors include construction, healthcare, trucking and transportation, manufacturing, HVAC, restaurants, retail, automotive services, veterinary, and beauty and wellness. If your industry is not listed, contact us — we may still have a lending partner that serves your sector.

Products & Pricing

We offer seven core business financing products, each designed for different capital needs:

• SBA 7(a) Loans — government-backed loans with competitive rates and longer terms
• Business Line of Credit — revolving credit you draw as needed
• Small Business Term Loans — fixed-amount loans with set repayment schedules
• Bridge Financing & Working Capital — short-term capital for immediate needs
• HELOC for Business — leverage home equity for business capital
• Equipment Financing — fund equipment purchases with the equipment as collateral
• Invoice Financing — convert unpaid invoices into immediate cash

Explore all options on our business financing page.

Rates vary significantly by product type, credit profile, and deal structure. SBA 7(a) loans often carry some of the lowest rates, though pricing varies by lender, loan size, and borrower profile. Business lines of credit and term loans also vary based on creditworthiness and term length. Merchant cash advances often use factor rates, commonly in the 1.1 to 1.5 range, rather than interest rates, which means the total cost is usually set upfront. Because REIL Capital works with multiple lending partners, access to more than one lender may improve your chances of finding a competitive offer. The best way to get your specific rate is to submit an application.

Funding amounts depend on the product and your business profile. Typical ranges in our network include:

• Business Line of Credit: $25,000 to $400,000
• Term Loans: $5,000 to $1,000,000
• SBA 7(a) Loans: up to $5,000,000
• Equipment Financing: based on equipment value, often from $10,000 to $5,000,000
• Invoice Financing: often 80-95% of invoice value, scaling with your receivables
• Bridge Financing: $5,000 to $2,000,000

Your approved amount depends on revenue, time in business, credit profile, and the specific product.

A term loan gives you a lump sum upfront with a fixed repayment schedule — fixed payments over a set term. It is often best for one-time investments like equipment, real estate, or expansion projects. A line of credit is a revolving facility — you draw funds as needed up to your limit, repay, and draw again. You typically pay only on the amount you use. It is often best for ongoing cash flow management, seasonal fluctuations, and unexpected expenses. For a deeper comparison, see our guide on short-term vs long-term financing.

For many products, yes. SBA loans, term loans, and lines of credit often allow early payoff, but prepayment terms vary by lender and product. Some products may have prepayment restrictions or fixed-cost structures — merchant cash advances use factor rates, so paying early does not always reduce your total cost unless the contract includes an early payoff discount. We review all terms with you before you sign anything, so there are no surprises.

Process & Timeline

It depends on the product. Lines of credit, term loans, and merchant cash advances may be approved in as little as 24 hours with complete documentation. Equipment financing often takes 3 to 7 business days. SBA 7(a) loans often take 2 to 6 weeks because of their underwriting and closing requirements. Having your bank statements and ID ready before applying can help speed up the process. Start your application.

After approval, you receive a formal offer with terms, rates, and fees clearly stated. You review and sign the agreement. Funding timelines vary by product: working capital and bridge financing can be funded in as little as 24 hours after signing, while other products depend on underwriting. SBA loans may take longer because of closing procedures. Your dedicated Capital Specialist walks you through each step from approval to funding.

About REIL Capital

REIL Capital is a commercial lending broker, not a direct lender. We work with a network of lending partners to match your business with financing options that fit your situation. Instead of applying to multiple lenders one by one, you work with one point of contact — your Capital Specialist — while we coordinate with lenders behind the scenes and bring back available options.

No. We work exclusively with businesses. All of our financing products are designed for business use — working capital, equipment purchases, expansion, cash flow management, and similar commercial needs. We do not offer personal loans, mortgages, or consumer credit products.

Data submitted through our application is protected with security controls designed to safeguard sensitive information during transmission and storage. We do not share your information with parties other than lending partners involved in evaluating your application. We also follow standard data-protection practices for handling application information.

Your Capital Specialist remains your point of contact after funding. If you need additional capital, want to explore refinancing options, or have questions about your existing financing, you have a direct point of contact who knows your financing. We also offer partner and referral programs for business owners who want to refer other companies to our network.
Still have questions? Talk to a Capital Specialist — or start your application. Most applications typically take about 5 minutes.

Absolutely. At REIL Capital, we believe that every business deserves a chance to grow and thrive. We specialize in assisting businesses with various credit profiles, including those with less-than-perfect credit scores. Our experienced team can work with you to find financing solutions that align with your unique circumstances and goals.

No, applying for business financing with REIL Capital does not have any impact on your personal or business credit score. We understand the importance of preserving your creditworthiness and maintaining a transparent and credit-score-friendly application process.

REIL Capital exclusively specializes in providing top-notch business financing solutions tailored to the unique needs of businesses. Our comprehensive range of services includes Lines of Credit, SBA Loans, Cash Advances, Term Loans, Reverse Consolidation, and more. While we focus on assisting businesses in their financial growth, we do not offer financial services for individuals.

At REIL Capital, we understand that every business is unique, and our eligibility criteria reflect that. For most of our financial products, we look for businesses that have been operational for more than six months, generate a minimum monthly revenue of $25,000, and maintain a credit score of at least 500. Our flexible criteria are designed to accommodate a wide range of business types and financial situations.

REIL Capital is your trusted partner for a diverse array of business financing solutions. Our services encompass Merchant Cash Advances, Lines of Credit, Term Loans, SBA Loans, Equipment Financing, Invoice Financing, Debt Consolidation, Asset-Based Financing, Fix and Flip Financing, USDA Loans, Investment Funding, and even assistance in claiming the Employee Retention Credit. We offer a comprehensive suite of options to address your specific business needs.

When applying for financing with REIL Capital, we strive to make the process as straightforward as possible. Initially, we typically require the last three months of your business’s bank statements and a valid ID or driver’s license. However, our experienced underwriting team may request additional documentation to ensure we tailor the financing solution to your specific needs.

At REIL Capital, the security and confidentiality of your data are paramount. We employ state-of-the-art encryption and data protection measures to ensure that your sensitive information remains secure throughout the application process. Our commitment to safeguarding your data is unwavering, and we adhere to the highest industry standards for data security.

Our approval process is designed for efficiency, with some applications receiving approval in as little as 24 hours, depending on the product. Your preparedness, including having the necessary financial documents and a well-structured business plan, can expedite the approval timeline.

We understand that securing financing is just one step in your business journey. At REIL Capital, our commitment extends beyond approval. We provide ongoing support and resources to help businesses make the most of their financing. Our Capital Specialists are readily available to offer guidance and assistance, ensuring that you have a reliable partner throughout your business’s growth and success.
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* Rates shown reflect an average fixed monthly percentage. Rates may vary by state and lender criteria. We do not perform a hard credit pull at any point in our approval process. Decision and funding time are subject to applicant’s submission of all requested approval and closing documents. Funding timelines vary by product; working capital and bridge financing offer our fastest turnaround. By supplying us with your information, you authorize REIL Capital LLC to contact you at the numbers you provide (including mobile) during any step of this application, via phone (including automated telephone dialing systems, prerecorded, SMS and MMS means) even if you are on a Do Not Call Registry. You are not required to agree to be contacted in this manner to apply with REIL Capital LLC.
Loans made or arranged pursuant to a California Financing Law license - CFL License Number: 60DBO 89473
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