I.
Working Capital
Short-duration liquidity against future receivables. MCAs and revenue-based advances. Same-day funding for clean files.
Rhythm Capital is hiring loan advisors who want to build a serious career in business finance — not push paper at a boiler-room MCA shop. Institutional product mix, a curated 117-lender network, and the technology to actually close.
Most "broker shops" in this industry are built to churn merchant cash advances at any cost. We built Rhythm differently. We act as a private capital advisory — matching American businesses to the right structure across MCAs, term loans, lines of credit, equipment finance, commercial real estate, corporate credit, and project finance up to nine figures.
Every deal starts with a financial picture — bank statements, credit profile, time in business, use of funds. The product follows the diagnosis, not the other way around.
No bait-and-switch, no buried fees, no stacking that crushes a business six months later. If a loan won't work, we say so.
A $5K working-capital advance and a $25M construction facility live on the same desk. You'll learn to qualify for both — and earn on both.
Proprietary CRM, AI lender matching, pre-qualification widget, automated submission packets. The plumbing works so you can sell.
From a first $5K working-capital advance to a nine-figure project finance facility — every advisor at Rhythm trains across the full stack. You won't be boxed into one product.
Short-duration liquidity against future receivables. MCAs and revenue-based advances. Same-day funding for clean files.
Fixed-rate, amortizing facilities for expansion, acquisition, or refinance. 3–10 year terms with competitive rates for established operators.
Revolving access — draw, repay, redraw. No prepayment penalty. Best fit for seasonal businesses or working-capital cycles.
Purchase or refinance machinery, vehicles, technology. Collateralized structures with favorable rates and Section 179 tax advantages.
Acquisition, refinance, cash-out for owner-occupied and investment property. Small-balance CRE up to 75% LTV.
Build the business credit infrastructure — vendor tradelines, Paydex scoring, EIN credit profile. Subscription-based advisory.
Institutional capital for ground-up development, energy and infrastructure projects, large-scale CRE, and complex transactions. Direct lenders, private credit funds, and investment-grade debt advisory — structured for sponsors and developers operating at scale.
117 vetted lenders across our four-tier system. You're never blindly shotgunning a file — our AI lender match suggests the right tier and product for every profile, and our submissions are protected by signed broker agreements.
Bank-grade and private-credit institutions. Lowest cost of capital. Strictest underwriting. Used for high-credit, established borrowers and project finance deals. Often warm-intro only.
Non-bank lenders with strong rate sheets. Term loans, lines of credit, CRE bridge, SBA. Bread-and-butter of the desk — most refis and growth deals land here.
MCA and revenue-based funders for thin-file or distressed borrowers. Fast funding, higher cost. Used responsibly — we never stack and we never sell a borrower into a product they can't service.
Every advisor learns this framework on day one. Five data points decide the product, the tier, and the realistic close probability before you ever pull a credit report.
| Profile | Typical Product | Typical Tier | Approach |
|---|---|---|---|
| 3–12 mo TIB · < 600 FICO | MCA / Working Capital | C / D | Fast turn. Verify ownership, statements. Avoid stacked positions. |
| 1–2 yr TIB · 600–650 FICO | MCA, Equipment, Short Term | B / C | Compare two offers. Educate on cost of capital. |
| 2+ yr TIB · 650–700 FICO | Term Loan, LOC, Equipment | B | The sweet spot. Bank-style file. Highest close rate. |
| 3+ yr TIB · 700+ FICO · property | CRE, SBA, Term Loan | A / B | Full underwriting. Multi-week cycle. Largest commissions. |
| Sponsor / developer · $5M+ deal | Project Finance | A | Warm-intro lender model. Co-advised with senior team. Refer up. |
We invested in the technology and the brand so you can focus on the conversation, not the paperwork.
Full lead lifecycle — intake, qualification, lender matching, submission tracking, commission ledger, document vault. Built for our process, not a generic Salesforce skin.
Our matching engine scores every lead against the active lender pool — ranks fit, surfaces red flags, suggests two or three submission targets. You're never guessing where to send a file.
Pre-qualification widget on the homepage, marketing campaigns, and partner referrals drive warm leads into your queue daily. You're not cold-calling lists for a living.
Rhythm Capital email address, branded pre-qual letters, lender-grade submission packets, marketing one-pagers, and a public-facing website that closes credibility gaps before you call.
Two-week onboarding curriculum — products, underwriting fundamentals, objection handling, compliance, CRM workflow. Then weekly desk reviews and direct access to senior advisors.
Most shops box advisors into MCAs. We don't. You'll close working capital this week, equipment next week, and ramp into CRE and project finance as you build the chops.
We invest in advisors who invest back. Here's what the first three months look like for a new hire — with no prior industry experience or for an experienced ISO joining the desk.
We pay competitive commission splits across every product line — with residuals on renewals and book-building incentives for advisors who stay and grow. Specifics depend on experience and product mix, and we cover them transparently in the second interview.
Send us a short note — your background, what you've sold before (if anything), and what you want out of the next five years. We read every email personally and respond within two business days.