Small Business Loans That Actually Understand Your Business
Get $10K–$500K in as fast as 24 hours. We look at your real business performance, not just credit scores.
- 2-minute application, decisions in hours
- Rates from 7.99% APR for qualified businesses
- Flexible terms: 12-60 months
- No prepayment penalties
RISE Score™ Preview
See what makes us different
Why Choose RISE for Your Business Loan?
We're not your traditional lender. We use AI and alternative data to see the full picture of your business.
Fast Funding
Instant pre-approval, decisions within hours, funding in 1-2 business days for Grade A borrowers.
Smart Scoring
Beyond credit scores: we analyze cash flow, retention, social proof, and business resilience.
Flexible Terms
Choose from 12-60 month terms with competitive rates based on your business profile.
Transparent Pricing
See your rate upfront. No hidden fees, no prepayment penalties, no surprises.
How It Works
From application to funding in as little as 24 hours
Apply in 2 Minutes
Basic business info, revenue, and what you need. No lengthy forms.
Connect Your Data
Link your bank, accounting, and payment systems securely (Plaid, QuickBooks, Stripe).
Get Your RISE Score
Our AI analyzes your business health in real-time and provides instant pre-approval.
Receive Your Offer
View personalized terms: amount, rate, and term. No obligation.
Get Funded Fast
Accept offer, eSign docs, receive funds in 1-2 business days.
RISE vs. Traditional Banks
See why thousands of businesses choose RISE
| Feature | RISE | Traditional Banks |
|---|---|---|
| Application Time | 2 minutes | 30-60 minutes |
| Decision Time | Hours | Weeks |
| Funding Speed | 1-2 days | 2-4 weeks |
| Minimum Time in Business | 6 months | 2+ years |
| Collateral Required | No | Usually yes |
| Credit Score Minimum | Flexible | 680+ |
| Alternative Data | Yes | No |
Frequently Asked Questions
What is the RISE Score?
The RISE Score is a proprietary 0-850 credit score that looks beyond traditional credit scores. We analyze your financials, behavioral traits, social proof, and business resilience to give you a fairer assessment.
How much can I borrow?
Small businesses can access $10K to $500K based on your business performance, time in business, and RISE Score. Higher scores unlock larger amounts and better rates.
What collateral is required?
Collateral requirements vary based on loan amount and business profile. Smaller loans may be unsecured, while larger amounts may require business assets or personal guarantees.
What if my credit score isn't perfect?
That's okay! We look at the full picture of your business. Strong cash flow, customer retention, and business resilience can offset lower credit scores.
How long does funding take?
Grade A borrowers with instant approval can receive funds in 1-2 business days. Standard approvals typically fund within 3-5 business days.
Ready to Get Started?
Join thousands of businesses that trust RISE for fast, fair, intelligent financing.
No impact to credit score • 2-minute application • Decision in hours