RFR Capital
98% approval · Same-day funding · $10K–$2M
Apply Now — 5 Minutes
Yonkers, NY · Est. 2016

Funding your business
shouldn't take months.

RFR Capital provides fast, flexible working capital for small and midsize businesses across every industry. With over 20 years of commercial banking expertise and 75+ lending relationships, we find the right solution — and fund it in under 24 hours.

✓98% approval rate
✓No collateral required on most products
✓5-minute application, same-day decision
Start Application View Products
(800) 829-7113or call to apply over the phone
🔒 Secure 256-bit SSL · No hard credit pull to apply · Confidential
98%
Approval Rate
<24hrs
Avg. Time to Funding
75+
Funding Partners
20+
Yrs. Experience
98%
Approval Rate
One of the highest in commercial finance, across all industries and credit profiles.
<24hrs
Time to Funding
Approved before noon? Funded same day. Fastest turnaround in the industry.
$10K–2M
Funding Range
From working capital top-ups to major capital raises — we cover the full spectrum.
20+
Years of Experience
Deep commercial banking and private finance expertise, under one roof.
We fund businesses in every industry
Restaurants Construction Retail Healthcare Trucking Salons & Beauty Auto Repair Manufacturing Professional Services Real Estate Wholesale Cleaning
How It Works

Funded in 3 simple steps.

The simplest application process in commercial finance — no paperwork, no bureaucracy.

01

Apply in 5 Minutes

Complete our simple online application — no lengthy paperwork, no in-person meetings. Just a few basic details about you and your business.

Start Application →
02

Get Approved Same Day

A funding specialist reviews your file and presents tailored offers — typically within hours. No waiting weeks for a decision that may never come.

98% approval rate
03

Funds in Your Account

Accept your offer and funds are deposited directly into your business bank account — often the same day, always within 24 hours of approval.

Same-day funding
Why RFR Capital

The alternative to waiting months for a "maybe."

Traditional banks were not built for the pace of small business. Their approval timelines, collateral requirements, and rigid criteria leave most business owners without options — or waiting so long the opportunity has passed.

RFR Capital was built to solve exactly that problem. Our founders spent over two decades inside commercial banking before recognizing that the system wasn't designed to serve small businesses well. We built something better: a financing platform that combines institutional expertise with the speed and flexibility that small business owners actually need.

We work with businesses across every industry, credit profile, and revenue level. If you are in business and you need capital, we will find a solution — and we will fund it fast.

98%
Approval Rate
One of the highest approval rates in commercial finance. We work with businesses traditional banks turn away.
<24hrs
Average Time to Funding
From completed application to funded — faster than any traditional lending institution in the country.
75+
Funding Relationships
A nationwide network of capital partners ensures we always find the most competitive terms for your business.
Our Products

A solution for every situation.

Apply for Funding

Collateral Based Loans

Leverage your commercial assets to access larger loan amounts at better rates.

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Bridge Loans

Short-term financing that bridges the gap while you secure permanent funding.

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Invoice Financing

Convert outstanding invoices into immediate working capital without waiting 30–90 days.

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Working Capital

The operational foundation of your business — fast access to funds for any expense.

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Purchase Order Financing

Finance your supplier directly — fulfill large orders without tying up your own capital.

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Loans & Lines of Credit

Flexible, revolving access to capital — draw what you need, pay interest only on what you use.

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Equipment Leasing & Financing

Acquire the equipment your business needs without depleting your operating capital.

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SBA Loans

Government-backed financing with competitive rates and long repayment terms.

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Client Testimonials

Nearly 100 five-star reviews.

4.8★★★★★
Google Rating · ~100 Reviews
See all on Google →
★★★★★

"Very professional. Thank you Ryan & Rick for helping me with equipment purchase that is going to change my business."

Stephanie Donelson
Business Owner
★★★★★

"Great to work with. Second time we've used them to get working capital. Simple process and a quick turnaround. Excellent customer service, professional staff. Highly recommend."

Russell Sellers
Business Owner
★★★★★

"Absolutely awesome. Calm, kind and courteous to deal with. Many options and willing to talk to you as a human — not just a number on a file. I have found my permanent lending partner. Thank you RFR!"

APR Roofing LLC
Local Guide · Google Review
Read All ~100 Google Reviews →
Common Questions

Everything you need to know before you apply.

RFR Capital funds businesses from $5,000 up to $500,000, depending on the product and your business's monthly revenue. Most small business owners qualify for between $10,000 and $250,000. The best way to find out your exact range is to submit a quick application — it takes 5 minutes and won't affect your credit score.
Businesses that submit a completed application and supporting documents before noon are typically funded the same business day. In most cases, funds are in your account within 24 hours of approval. This is significantly faster than any traditional bank.
Most of our products require a minimum credit score of 500, and some — like our Collateral Based Loans — have no minimum credit score requirement at all. We evaluate your overall business health, not just one number.
Not for most of our products. Working Capital loans, Merchant Cash Advances, Lines of Credit, and Invoice Financing typically require no collateral. Collateral-based products are available if you want to leverage commercial real estate for better rates and larger amounts.
Click 'Start Application' on this page — the entire process takes about 5 minutes. You'll need 3–4 months of business bank statements and a completed application. Once submitted, a funding specialist will review your file and reach out within hours.

Ready to get funded?

Apply in 5 minutes. Receive funds in as little as 24 hours.

Start Your ApplicationSchedule a Call
Contact Us

We're here to help.

Questions about your options? Our advisors will walk you through every product and find the right fit for your business.

📍
Address
1730 Central Park Ave, Ste 3F1
Yonkers, NY 10710
📞
📠
Fax
(914) 723-6622
✉️
Get in touch
We respond within one business day — usually faster.
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