We underwrite your business, not just your credit score.
Your deposits and cash flow tell the real story. Owners with less-than-perfect credit are regularly approved when the business is healthy.
Merchant cash advance · U.S. small business
Funding that doesn't wait for the bank.
RS Funding provides merchant cash advances from $10,000 to $3,000,000. Send one email to get started. Decisions come in hours, and funds often land within 24.
- No real-estate collateral
- Imperfect credit OK
- No cost to apply
60-second eligibility check
Step 1 of 3How long have you been in business?
Average monthly deposits?
What's the money for?
You may qualify for
Up to $90,000
Based on your answers, your business looks like a fit. Your final amount depends on a quick review of your bank statements.
Email my results
No personal info needed
- Advance size
- $10K–$3M
- Typical time to funds
- ~24 hrs
- To get started
- 1 email
- Application fee
- $0
Industries we fund
RestaurantsTruckingAuto shopsConstructionMedicalRetailSalonsE-commerceHospitalityLandscapingWholesale
Speed
From application to funded in about a day.
Banks measure approval in weeks. We measure it in hours, because a missed payroll or a lost supplier deal doesn't wait either.
- 00:00
Email us
Send a few details about your business. We'll reply with a secure way to share three months of bank statements.
- +2 hrs
Review
Underwriting looks at your deposits and cash flow, not just your credit score.
- +4 hrs
Offer
See the amount, total payback, and remittance schedule in plain dollars.
- +24 hrs
Funded
Sign electronically and the money is sent straight to your business account.
Typical timeline for complete applications submitted on business days. Timing is not guaranteed.
Why RS Funding
Built for owners who don't have time to wait.
No hoops, no runaround. Just a fast answer and an offer you can actually understand.
Of statements. That's it.
No tax returns, no business plan, no projections.
No real‑estate collateral
Your advance is based on future sales, not your home or equipment.
A real advisor, start to finish.
One named funding advisor, reachable by phone or text, from application through renewal. No call centers, no bouncing between departments.
Transparent offers
See the advance amount, total payback, and remittance schedule in plain dollars before you sign. Nothing buried in the fine print.
Room to grow
Pay down a meaningful part of your advance in good standing and you may qualify for more capital, often on better terms.
Repayment
Payments that flex with your sales.
With a merchant cash advance, you sell a portion of your future receivables at an agreed price. Remittances come out of your business account automatically, and you can choose the structure that fits how your money comes in.
Percentage of sales
A set percentage of your daily card sales or deposits. On a slow day you remit less, and on a busy day you remit more and finish sooner.
Fixed daily or weekly ACH
A predictable, fixed amount based on your average revenue, debited each business day or week. Easy to plan around. If revenue drops, you can request a reconciliation.
One illustrative week
Daily salesRemittance
Requirements
Do you qualify?
If you can check these four boxes, you're very likely a fit. Not sure? Take the 60-second check. It doesn't ask for any personal information.
Run the eligibility check- 01
6+ months in business
Operating with a business bank account for at least six months.
- 02
$10K+ monthly deposits
Consistent revenue coming into your business account.
- 03
U.S.-based business
Registered and operating in the United States.
- 04
No open bankruptcies
Past credit issues are okay. An active bankruptcy is not.
FAQ
Straight answers.
Still have questions?
Email admin@rs-funding.com and a real person will get back to you.
Email a questionWhat is a merchant cash advance, in plain English?
We buy a slice of your business's future sales at a discount and give you the cash today. You pay it back automatically as your sales come in, until the agreed amount has been delivered. It's not a loan, so there's no interest rate.
How is the cost calculated?
With a factor rate, usually written as a decimal like 1.25. Multiply your advance by the factor rate to get the total payback. For example, a $50,000 advance at 1.25 means $62,500 in total. It doesn't compound. Any fees are spelled out in your offer, and depending on your state you may also receive additional cost disclosures.
Will a slow month hurt me?
With percentage-of-sales remittance, your payments shrink when your sales do. With fixed ACH, you can request a reconciliation so your remittances reflect what you actually took in.
Can I pay it off early?
Some agreements include an early-payoff discount. Ask your advisor before you sign, and we'll show you exactly how early payoff works on your offer.
What do I need to apply?
A quick email with a few details about your business, then your last three months of business bank statements, a driver's license, and a voided business check. That's usually everything.
Does applying cost anything or lock me in?
No. Applying is free, and you're under no obligation to accept an offer. If the numbers don't work for you, walk away.
I already have an advance. Can I still apply?
Possibly. We'll review your existing obligations and only make an offer if your cash flow can comfortably support it. Taking on more than your business can handle isn't good for either of us.
Get started
Ready when you are.
Email us your business name, time in business, monthly deposits, and how much you need. No cost, no obligation, and a real advisor replies with real numbers.
admin@rs-funding.com