Frequently Asked Questions

For many financing products in our network, common starting guidelines include at least 6 months in business, around $15,000 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.

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 $250,000
• Term Loans: $25,000 to $500,000
• 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: $10,000 to $500,000

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.

It depends on the product. Lines of credit, term loans, and merchant cash advances may be approved in as little as 24 to 48 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. For many products, funds can be disbursed directly to your business bank account within 1 to 2 business days after signing. SBA loans may take longer because of closing procedures. Your dedicated Capital Specialist walks you through each step from approval to funding.

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.