Funding options

The Right Capital for Every Situation.

Whether you're a business owner looking to grow or an individual navigating a financial need, RS Funding has a product built for you.

Merchant Cash Advance

Fast capital tied to your revenue — not your credit score.

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A merchant cash advance gives you a lump sum of capital upfront in exchange for a percentage of your future sales. Repayment is automatic and flexible — you pay more when business is strong and less during slower periods. No fixed monthly payment, no collateral required.

Funding from $5,000 to $500,000
Approval based on revenue, not just credit
Repayment tied to daily or weekly sales
No fixed monthly payment
Funds deposited in as little as 24 hours

Ideal for

Retail, restaurants, e-commerce, and service businesses with consistent card or bank deposit revenue.

Structured repayment

Business Loan

Predictable terms for planned growth.

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Our business loans offer fixed repayment schedules so you can plan ahead with confidence. Whether you're expanding your location, purchasing equipment, hiring staff, or managing cash flow, a business loan gives you the capital you need with clear, transparent terms.

Fixed daily, weekly, or monthly payments
Terms from 3 to 24 months
Loan amounts from $10,000 to $500,000
No prepayment penalties in most cases
Transparent factor rates disclosed upfront

Ideal for

Established businesses planning a specific investment — expansion, equipment, inventory, or hiring.

For individuals

Personal Loan

Flexible funding for life's unexpected moments.

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Life doesn't always follow a plan. Our personal loans are designed for individuals who need fast, reliable access to funds — whether for an emergency, a major purchase, debt consolidation, or any other personal need. We look beyond your credit score to assess your full financial picture.

Loan amounts from $1,000 to $50,000
Fixed repayment terms
Credit-flexible — we look at the full picture
Funds deposited directly to your bank account
No collateral required

Ideal for

Individuals facing unexpected expenses, consolidating debt, or funding a major personal goal.

Revolving access

Line of Credit

Draw what you need, when you need it.

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A business line of credit gives you ongoing access to a pool of capital. Draw funds as needed, repay, and draw again — only paying interest on what you use. It's the most flexible funding tool available, ideal for managing cash flow gaps, seasonal fluctuations, or seizing time-sensitive opportunities.

Revolving credit — draw, repay, and reuse
Credit limits from $10,000 to $250,000
Only pay for what you draw
Ideal for managing seasonal cash flow
Fast access once approved

Ideal for

Businesses with variable cash flow needs, seasonal revenue patterns, or ongoing working capital requirements.

Compare Your Options

Feature	Cash Advance	Business Loan	Personal Loan	Line of Credit
Funding amount	Up to $500K	Up to $500K	Up to $50K	Up to $250K
Repayment style	% of daily sales	Fixed schedule	Fixed schedule	Revolving
Collateral required	No	No	No	No
Credit flexibility	High	Moderate	High	Moderate
Time to fund	24 hrs	1–2 days	1–2 days	1–2 days
Best for	Revenue-based businesses	Planned investments	Individuals	Ongoing cash flow

Not Sure Which Product Is Right for You?

Apply and let our team match you with the best option for your situation. No obligation, no hard credit pull.

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