Start a new application.
Compare our funding partners below. Each partner lists its qualification criteria — credit score, loan amount, time in business, and documentation — so you can pick the track that fits your profile. Your existing file, documents, and specialist assignment carry over.
South End CapitalFastest
A $3.2B nationwide bank and direct lender. Two tracks: Direct Lending funded on their own balance sheet, and a Financing Marketplace of curated programs funded by select third-party lenders. Options for every credit profile.
Real estate
Commercial real estate loans with no income documentation, unrestricted cash-out, and raw land or rural property welcome.
- $50K to $1M · all 50 states + D.C.
- 690 credit minimum · 50% max LTV
- Rates from Prime + 2% · 5-yr term / 25-yr am
- No income documentation
- Close as fast as 2 weeks
SBA 7(a)
SBA financing direct from the bank — startup financing available, streamlined underwriting, most industries considered.
- $150K to $5M nationwide
- 680 credit minimum · startups OK
- Rates from Prime + 2%
- Up to 25-year terms · monthly payments
- No prepay penalty options
Term loan
Affordable fixed-rate term loan with monthly payments — working capital, debt or MCA consolidation, equipment, inventory, expansion.
- $20K to $500K · fixed for 12 years
- 660 credit min · 2+ years in business
- Fixed rates from 8.77%
- $20K monthly revenue minimum
- No hard collateral · quick closings
Equipment financing
Custom payment options for new and used equipment — dealer and private party sales, 0% down on purchases.
- $30K to $5M
- No set credit score minimum
- Rates from 8.5% · up to 84-month terms
- 0% down on purchases
- Same-day funding available
Credit line
Revolving line of credit with affordable rates, no collateral, and same-day funding — draw as you need it.
- $1K to $500K+
- No credit score minimum
- 6+ months in business · $14K monthly revenue
- Up to 36-month terms · no collateral
- No prepayment penalties · same-day funding
Fast capital
Expedited business financing — one streamlined application, competitive rates, funds can arrive same-day.
- $1K to $500K+
- No credit score minimum
- 6+ months in business · $14K monthly revenue
- No collateral · most industries
- Same-day funding available
SmartBiz Bank
An FDIC-member bank and the #1 facilitator in SBA 7(a) loans under $350K. Best for established, profitable businesses with strong credit that want the lowest rates and lowest monthly payments. All programs share the same core eligibility below.
SBA 7(a)
Debt refinancing and working capital with great rates, ~10-year terms, and extremely competitive monthly payments. Typically only a blanket lien + personal guarantee.
- $50K to $350K · ~10-year terms
- FICO 680+ · 100% U.S.-citizen owned
- No prepayment penalty
- Working capital, debt refi, equipment, hiring
- Funds in 4–6 weeks
Bank term loan
Short-term fixed-rate bank loan with stable monthly payments — faster funding than SBA, with leniency on use of proceeds including construction and remodeling.
- $50K to $300K
- 2, 3, or 5-year terms · fixed rate
- No prepayment penalties
- Working capital, inventory, acquisition, refi
- Funds typically within 2 weeks
Line of credit
Flexible funds when you need them — manage cash flow or fuel expansion. Draw the full amount at origination or only what you need, with no withdrawal fees.
- $50K to $100K revolving
- Variable rate · no fees on draws
- 6% origination + $750 closing · 1% annual mgmt
- 6 months of bank statements + debt schedule
- Funds in ~2 weeks
Reveal Lending
Fast, strategic business funding — working capital, term loans, lines of credit, and equipment. Approval is driven by your revenue, not just your score. There is almost always a path forward, even if you have been told no. For investment real estate, see RCN Capital below.
Working capital
Revenue-based financing repaid by daily or weekly ACH — fast cash for payroll, inventory, marketing, and day-to-day operations.
- $2K to $5M · 3–12 month terms
- FICO 450+ · 3+ months in business
- $3K+ monthly deposits
- Max 10 NSFs / 10 negative days
- Same-day decisions
Term loan
Structured capital with fixed payments and longer terms for established businesses.
- FICO 625+
- 1+ years in business
- $100K+ annual revenue
- Fixed payments · longer terms
- Decisions in 2–5 days
Line of credit
Ongoing access to capital for short-term needs or cash-flow gaps — interest only on drawn funds.
- FICO 600+
- 6+ months in business
- $10K+ monthly revenue
- Interest only on what you draw
- Decisions in 1–3 days
Equipment financing
Own your equipment or vehicles outright — 100% ownership at final payment, no balloon.
- FICO 620+ · credit-based approval
- Start-ups OK
- Equipment & vehicles, new or used
- 100% ownership at final payment
- Fast decisions
Reverse consolidation
Adds a new advance to help cover daily MCA payments — easing cash flow without paying off existing positions.
- FICO 500+
- 6+ months in business
- $15K+ monthly revenue
- Max 15 NSFs / negative days
- Decisions in 1–2 days
Consolidation
Combines two or more advances into a single, manageable payment to improve cash flow.
- FICO 500+
- 6+ months in business
- 2+ active positions required
- Payoff letters for each position
- Closes in 5–10 days
RCN Capital
A nationwide private direct lender for investment real estate only — 37,000+ deals funded since 2010. Non-owner-occupied properties with an entity borrower (LLC or corporation). Interest charged only on your outstanding balance, never on the rehab holdback.
Fix & flip
Up to 95% of purchase + 100% of renovation costs, capped at 75% of after-repair value. Interest only on drawn funds, not the holdback.
- Up to 95% purchase + 100% rehab · 75% ARV cap
- FICO 650+ · 12–24 month terms
- 1–4 unit, condos, townhomes
- No prepayment penalty on flips
- Rates from ~9.24% for experienced flippers
New construction
Ground-up construction financing covering the full build from start to finish, with draw-based funding.
- 18-month term · rates from 9.84%
- FICO 650+
- Residential investment builds
- Draw schedule tied to milestones
- Exit by sale or DSCR refinance
DSCR rental
True long-term rental financing qualified on property cash flow — 30-year fixed, hybrid ARMs, and interest-only options.
- Purchase up to 80% LTV · cash-out 75%
- FICO 660+ · appraised value $100K+
- 30-yr fixed, 5/1 · 7/1 · 10/1 ARMs, IO options
- 1–4 family, condos, townhomes, PUD
- Streamlined bridge-to-perm refinance
Multifamily bridge
Short-term bridge, fix & flip, and rental financing for 5+ unit apartments and mixed-use (70%+ residential).
- Bridge: up to 75% as-is purchase
- Flip: up to 80% purchase + 100% reno
- 5+ unit apartments · mixed-use 70%+ resi
- Cash-out available to 65–70%
- Entity borrower · nationwide
Our lender network
Applications handled directly by your Rhythm Capital advisor and matched across our full lender network. We prepare your file, financials, and submission.
Business loan
Working capital, term loans, equipment financing, lines of credit, and commercial real estate through our lender network.
- $25K to $500K via SBA program
- Working capital in 7–14 days
- We prep financials & tax returns
Personal loan
Personal financing for qualified applicants with clean credit profiles. Includes debt consolidation and stated-income products.
- Up to $100K with strong credit
- Soft-pull pre-qualification
- Credit repair available if needed
Every client has a dedicated advisor who matches the right product to your situation, prepares documents, and handles lender submission from intake to close.