RPA Commercial Loans
📞
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All Loans›Working Capital & Equipment
BUSINESS FINANCING

Working Capital & Equipment Loans

From unsecured lines of credit to equipment financing, SBA working capital loans, and accounts receivable factoring, we match your business to the right capital solution.

Available Products

Unsecured Term Loan

Loan Amount
$25K, $500K
Loan Term (months)
12 to 60
Interest Rate
Starting at 7%
Min Credit
650+
Repayment Frequency
Ask about monthly or quarterly payments
Loan Purpose
Inventory, payroll and business growth
📄 Bank statements + tax returns

Business Line of Credit

Loan Amount
$25K, $2M
Loan Term (months)
Revolving; term varies by lender
Interest Rate
Starting at 8%
Min Credit
650+
Repayment Frequency
Ask about monthly or quarterly payments
Loan Purpose
Ongoing operating expenses and cash flow
📄 Bank statements + financials

SBA Working Capital (7a)

Loan Amount
Up to $5M
Loan Term (months)
Up to 120
Interest Rate
Prime + 2.75%
Min Credit
680+
Repayment Frequency
Ask about monthly or quarterly payments
Loan Purpose
Eligible business working capital needs
📄 Full SBA package

Equipment Financing

Loan Amount
$25K, $10M
Loan Term (months)
Up to 84
Interest Rate
Starting at 6%
Min Credit
620+
📄 Invoice + financials

Merchant Cash Advance

Loan Amount
$10K, $500K
Loan Term (months)
Based on Revenue
Interest Rate
Factor rate
Min Credit
550+
📄 Bank statements

A/R Factoring

Loan Amount
Up to 90% of AR
Loan Term (months)
Revolving
Interest Rate
1 to 3% per 30 days
Min Credit
Customer-based
📄 AR aging + invoices

Common Use Cases

📦

Inventory Purchases

Finance seasonal or bulk inventory purchases without tying up cash.

👥

Payroll & Staffing

Cover payroll gaps during slow periods or when expanding your team.

📈

Marketing & Growth

Fund marketing campaigns, new locations, or expansion initiatives.

🔧

Equipment & Technology

Acquire or upgrade equipment, vehicles, or technology infrastructure.

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Debt Refinancing

Consolidate high-rate merchant cash advances or credit card debt.

🏢

Franchise Startup

Cover initial franchise fees, build-out costs, and working capital needs.

Frequently Asked Questions

Answers to the most common questions about this loan program. Don't see your question? Call us at (844) 250-5626.

Ready to Fund Your Business?

Tell us how much you need and what it's for. We'll match you to the right product.

Have a question?

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