Frequently Asked Questions

Helping you understand how Rise Business Funding works, from eligibility to repayment. Whether you're new to business funding or navigating your options, these FAQs provide clear answers to the questions we hear most.

Application & Eligibility

How soon can I see my lending options after submitting an application?
Once you submit an application, you can typically see your lending options within 24 hours.
What information do I need to provide on the application?
You'll need basic business information, revenue details, and any required documentation depending on the funding type.
How does the application process work?
Complete the online application, our funding specialists review it, and you'll receive your options shortly after.
How long does the loan application take?
Most applications take just a few minutes to complete, though approval timing varies by program.
What are the minimum requirements to qualify for funding?
Requirements vary by funding type but usually include minimum revenue, time in business, and basic documentation.
If I have bad credit, can I still apply?
Some funding options are available for businesses with less-than-perfect credit. Eligibility depends on the program.
How will my credit score impact my lending options?
Credit score can affect interest rates and funding amounts for some programs, but many options are flexible.
Does credit play a large role in approval?
Credit is one factor considered, but business revenue, cash flow, and history are also important.
Do you have to pull my credit, and will it affect my credit score?
Initial applications typically do not impact your credit score; some funding options may require a later check.
What credit score is needed to qualify for a business line of credit?
Requirements vary by program, but some lines of credit accept a wide range of credit profiles.
Is there any obligation if I apply?
Submitting an application does not obligate you to accept any funding.

About Rise Business Funding

How are we different?
Rise Business Funding provides fast, flexible funding solutions with a network of trusted partners tailored to your business needs.
How do I get a business loan with Rise Business Funding?
Apply online, provide your business information, and a funding specialist will guide you through your options.
What types of business financing does Rise Business Funding offer?
We offer short-term loans, lines of credit, revenue-based financing, and SBA-backed programs depending on your business.
What are Rise Business Funding's loan amounts and terms?
Funding amounts typically range from a few thousand dollars to several million, with terms tailored to your cash flow.

Funding & Disbursement

How quickly will I know if I am approved for funding?
Many businesses receive a decision within 24 hours, depending on the funding type.
How soon can I receive funding after approval?
Funding can often be deposited the same or next business day after approval.
When can I expect to see the money in my account?
Funds typically arrive within 24 hours for most programs, though timing may vary by bank.
How does term loan funding work?
Term loans are funded in a lump sum and repaid over a set schedule according to the loan agreement.
What is line of credit instant funding?
Instant funding allows you to draw funds immediately up to your approved credit limit.
What is the difference between instant funding and ACH funding?
Instant funding is immediate, whereas ACH funding may take 1-3 business days to settle.
Is there a limit to how much I can draw using instant funding?
Your draw limit depends on your approved credit line and program rules.
What kind of debit card can be used for instant funding?
Most major business debit cards can be used; your funding specialist can confirm compatibility.

Loan Terms & Usage

How long are the terms of your financing products?
Terms vary by product, from short-term loans of a few months to lines of credit with ongoing access.
What can a business line of credit be used for?
Funds can be used for working capital, payroll, inventory, marketing, or other business expenses.
Do I need collateral to secure funding?
Some programs require collateral while others are unsecured.
What if I already have a loan with a traditional bank?
Existing loans do not prevent you from applying for funding with Rise Business Funding.
Are there any industries that you do not fund?
Certain high-risk industries may not be eligible; your funding specialist can advise.
What other small business financing options are available?
We offer flexible lines of credit, short-term loans, and revenue-based financing to suit various needs.

Rates, Fees & Payments

What are your rates and fees?
Rates and fees vary by program and business profile; transparent details are provided before you accept funding.
Do you offer monthly payments?
Yes, many programs allow monthly, weekly, or daily payment schedules depending on your cash flow.
How does repayment work?
Repayment schedules are structured to align with your business revenue and funding type.
How do I make payments on my loan?
Payments can typically be made via ACH, debit, or other online payment methods.
Are there any prepayment penalties?
Some programs may allow early repayment without penalty; details are provided in your agreement.
What happens if I pay off my loan early?
Early repayment may reduce interest and fees, depending on the funding product.
How much of my payments go toward principal versus fees or interest?
Your funding agreement details how payments are applied to principal and fees.

Account Management

Where can I see my current loan or line of credit balance?
Log in to your Rise Business Funding account to view your balances and statements.
Can I change my bank information?
Yes, you can update your bank account details via your online account or by contacting support.
When will I be eligible for renewal or additional funding?
Eligibility depends on your current balance, repayment history, and product type.
There is a hold on my line of credit - who should I contact?
Contact your Rise Business Funding account manager or support team for assistance.
I don't need my line of credit anymore. How do I close it?
Reach out to support to close your line of credit safely.

Support & Security

I have questions - who can I contact for help?
You can contact our support team via phone, email, or live chat.
If I need help during the process, can I speak with someone?
Yes, our funding specialists are available to guide you through each step.
Is my information secure?
All data is encrypted and handled according to strict security standards.

Transaction & Technical Issues

Why was an extra payment taken from my account?
Occasionally, bank processing errors occur. Contact support immediately to resolve.
Why don't I see the instant funding option on my account?
Instant funding eligibility depends on your account and credit profile.
Why did my instant funding withdrawal fail?
Failures may be due to bank restrictions, insufficient funds, or card issues. Check with support.
I'm getting an error when using my debit card for instant funding - what should I do?
Verify your card details and contact our support team for troubleshooting assistance.

Start Funding Today

See your options and secure the capital your business needs. Apply now or explore how the process works.

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