Manage and streamline operations across multiple locations, sales channels, and employees to has improve efficiency and your bottom line.

  • Rates range from 8.50% to 15.99% APR.
  • No upfront fees required.
  • Low-interest, fixed monthly payments.
  • Receive funds within 10-15 business days.
  • Quick decision process: 3-4 business days for approval.
  • Full funding completed in 10-14 business days.
  • For loans under $100k, decision and closing can be completed within 3 business days.
  • One-time success fee charged after successful closing.

Bank Term Loan or Line of Credit

  • Net cost of capital: 8.50% – 15.99% APR (as of 12/2/2023)
  • Flexible monthly payments available.
  • One application covers both Term Loans and Lines of Credit.
  • Allows banks to approach you for funding.
  • Decision made within 3-5 business days.
  • Over 70% approval rate for applicants.
  • No new liens required from the bank.

Minimum Requirements to Apply:

  • FICO Score: Minimum of 680 across all 3 bureaus.
  • Time in Business: At least 2 years.
  • Annual Revenues: Minimum of $250,000 for the last 2 years.
  • Industries: All industries accepted, except for cannabis-related businesses.
  • Availability: Now accessible in all 50 states.
  • Ownership: Business must have 2 owners or fewer, per bank policies.

Contact Us Now to Discuss!

  1. To submit your application for approval, please send the following information in one email to info@rdesfinancial.com:
  2. Completed Working Capital Application: Fill out our 1-page fillable application (contact us for the application).
  3. Credit Report: Download your FREE credit report from Experian.com. Please provide the full report, which can range from 15 to 100 pages, as a single PDF document.
  4. SS4 Form: A copy of your SS4 (Employer ID Number) for your business.
  5. Recent Bank Statements: Six (6) most recent business bank statements (all pages) in PDF format. Please send each month as a separate PDF attachment.
  6. Articles of Incorporation: Include a copy of your business’s Articles of Incorporation.
  7. Tax Returns: Three most recent years of both Business and Personal Tax Returns.
  8. Financial Statements: Year-to-date Profit & Loss Statement and Balance Sheet.
  9. Business Debt Schedule: A completed Business Debt Schedule.
  10. Owner’s Driver’s License: A copy of the owner’s driver’s license (front and back).
  11. Voided Check: A copy of a voided check or bank routing/account number information. Once approved, the bank(s) will wire financing directly to this business bank account at closing. The account title must match the application—no exceptions.

Note: 70% of our application packages are for refinancing higher-cost debt, including MCAs and other factored loan products such as Bluevine, OnDeck, Kabbage, Headway, etc. The remaining applications focus on financing growth, equipment, inventory, and more.

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