4 - 48 Hour working capital programs

From Rainstar capital group

Rainstar Capital Group has developed Working Capital Programs for Business Owners and Real Estate Investors looking for growth capital or to consolidate existing debts. The following programs can get clients funded inside of 4 Hours to 48 hours. Our team at Rainstar Capital Group works with the client and depending on their cash flow, credit and collateral custom structure a plan to achieve their goals. There are four products that Rainstar Capital Group provides clients working capital with:

  1. Term Loans- 10k-500k. 

  2. Revenue Based Credit Lines- 1k to 100k

  3. 4 Hour Loan- up to 75k

  4. Merchant Cash Advances- 10k to 10M

4 Hour to 48 Hour Financing.jpg

48 Business Term Loan

Credit Lines

For Small Business Owners and Real Estate Investors, having access to a true "on call" and convert to cash credit line is very beneficial to help the client's company grow. Rainstar Capital Group has developed relationships with two non bank fin tech lenders that provide a line of credit solution for its clients

4 EASY STEPS TO GET A CREDIT LINE:

  1. Read the brochure from your Director to see if one or both of the credit lines are a fit for your business

  2. Contact your Director at Rainstar to address any questions and advise which credit line to apply for

  3. Sign Rainstar Capital Group's Consulting Fee Agreement

  4. Your Director will  email you a link to the Lender Portal to apply

To Apply for our Revenue Based No Credit Check Credit Line or the Cash Credit Line please fill out the Fee Agreement: Click Here


4 Hour Term Loan

For clients seeking quick liquidity this is our fastest term loan program. Clients get funded typically in 4 hours from submission as long as full paperwork is submitted. To learn more about the program watch the video below:


Merchant Cash Advances

Rainstar Capital Group has built a diverse platform of over 50+ Merchant Cash Advance Lenders that provide different daily and weekly repayment Merchant Cash Advance products to our clients. Advance Amounts from 5k up to 4M. All businesses in all 50 states considered. Requirements are below:

  • Minimum 450 credit score

  • Time in business: 6 months

  • Must have business bank account

  • Minimum Gross Revenue: $10,000/mo

  • Tax Liens over $25K should be on a payment plan

  • Bankruptcy must be discharged

  • No more than 5 negative days per month on bank statements

  • Minimum Annual Revenue: $100,000 and Minimum Avg Daily Bank Balance: $500

  • Number of Negative Days: Up to 7 in 3 consecutive months. No more than 9 in a recent months

  • Tax Liens- Must be on a payment plan if over $25K

  • Bankruptcy- Must be discharged

  • No industry restriction on High Risk Program

  • A UCC search will be done prior to funding and a UCC filed post closing


MERCHANT CASH ADVANCE LenderS*

* Rainstar Capital Group makes no claim as to the accuracy of these lender programs as the direct lenders and fund managers that work with Rainstar Capital Group, at times change their underwriting criteria and their loan matrices. To the best of it's ability, Rainstar Capital Group updates these lender profiles based on info provided by the lenders. By applying for any program, the client acknowledges that the programs, interest rates, LTV's, etc. are subject to change based upon the lender's underwriting criteria.

LENDER #1

Lender Description:  SBA loans - $20,000 – $5 million (10 – 25 years), installment loan- $25,000 – $500,000 (1-5 years), merchant cash advance - $5,000 – $300,000 (4 – 24 month), line of credit - $5,000 – $100,000 (1 – 2 years), invoice factoring - up to $250,000.
Geographic lending areas: All 50 states
Loan Products: SBA Loans, Installment Loans, Merchant Cash Advance, Line of Credit and Invoice Factoring
Loan Sizes: 20k – 5M
Required Credit Scores: 600
Required Revenues: 100k
Min to Max Rates: 10%+
Other Information: Lender is very creative in getting deals done through their different product lines.

LENDER #2

Lender Description: Merchant cash advance lender short and long-term MCA’s.
Geographic lending areas: All 50 states
Loan Products: Merchant Cash Advance
Loan Sizes: 1k – 250k
Required Credit Scores: 470
Required Revenues: Minimum $100k
Min to Max Rates: 1.25 to 1.45 factor rates
Other Information: Lender offers unparalleled funding solutions customized for your business.

LENDER #3

Lender Description: Merchant Cash Advance provider providing MCA’ solutions to clients.
Geographic lending areas:  All 50 states
Loan Products: Merchant Cash Advance
Loan Sizes: $2000-50,000
Required Credit Scores: 500+    
Required Revenues: $8500 a month
Min to Max Rates: 15%+
Other Information: Lender also provides invoice financing and equipment financing.

LENDER #4

Lender Description: Lender makes a commitment to long-term partnerships and offers advantages in speed, simplicity, and flexibility.
Geographic lending areas: All 50 states
Loan Products: Business Expansion Loan
Loan Sizes: 250k below
Required Credit Scores: 500 above
Required Revenues: Minimum
Min to Max Rates: 9.99% - 36%
Other Information: Designed for business owners with a certain level of success and financial security; newest funding product provides large-scale investment for growth at our most competitive rates ever.

 

LENDER #5

Lender Description: Merchant Cash Advance lender providing solutions.
Geographic lending areas: 
Loan Products: Merchant Cash Advance
Loan Sizes: 5k – 1.5M
Required Credit Scores: 500 – 680+
Required Revenues: Minimum 10k
Restricted Industries: Used Car Dealerships/Car Rental, Solo Gas Stations, Residential Redevelopment, Tax/Accounting Services, Brokers (of any kind), Check Cashing, Bail Bonds, Insurance/Investment Firms, Law Offices, Non-Profit Organizations, Travel Agencies, Online Only Businesses, Marijuana Shops.
Min to Max Rates: 
Other Information: Platinum Rapid Funding Group, (PRFG) is a merchant cash advance company, providing working capital to small and medium size businesses nationwide.

 

LENDER #6

Lender Description:   Lender provides business loans, small business loans, and merchant cash advances
Geographic lending areas: 50 states
Loan Products: Merchant Cash Advances
Loan Sizes: Up to 1M
Required Credit Scores: 450
Required Revenues: Minimum 100k
Min to Max Rates: 12%-50%
Other Information: Lender specializes in out of the box small business loan financing that is unsecured. 

 

LENDER #7

Lender Description:     Built on the pillars of transparency, honesty, and doing what’s right for small business.
Geographic lending areas:     All 50 states
Loan Products:         Merchant cash advance lender with a monthly repayment model
Loan Sizes:             250k – 5M
Required Credit Scores:     600
Required Revenues:         Minimum 10k
Min to Max Rates:         12%+
Other Information:     Lender is working for small businesses every day, providing responsible working capital solutions tailored specifically for your business.

 

LENDER #8

Lender Description: Business Credit & Capital is a leader in small-medium size business funding.
Geographic lending areas: 50 states
Loan Products:  
Loan Sizes: 3k – 100k
Required Credit Scores: 
Required Revenues: Minimum
Min to Max Rates: 12%+
Other Information: Lender specializes in offering retail, restaurant and service businesses nationwide a unique funding solution. Lender offers fast, low-documentation merchant cash advances – even if your credit is less than perfect.

 

LENDER #9

Lender Description: Lender is a champion of Small Business financing.
Geographic lending areas: All 50 states
Loan Products: Term Loan and Merchant Cash Advance
Loan Sizes: 4k – 1MM
Required Credit Scores: 550+
Required Revenues: Minimum 100k
Min to Max Rates: 12%+ 
Other Information: Lender provides exceptional service and quick response to help the customers get the funding they need. 

 

LENDER #10

Lender Description: Financial Services firm providing MCA and invoice financing.
Geographic lending areas: All 50 states        
Loan Products: Merchant Cash Advances and Invoice Financing
Loan Sizes: 10kto 250k
Required Credit Scores: 600+ 
Required Revenues: 100k
Min to Max Rates: 15%+ 
Other Information: Lender is a financial services company headquartered in Fort Myers, Fla., that provides flexible and affordable working capital solutions to small and medium businesses.

 

LENDER #11

Lender Description: Lender will provide 1st and 2nd Positions. Will also consolidate to get to the 1st/2nd position. 
Geographic lending areas: All 50 states
Loan Products: Merchant Cash Advance
Loan Sizes: 10k to 500k
Required Credit Scores: 500 below
Required Revenues: 100k+
Min to Max Rates: 15%+
Other Information: Lender requires a minimum 0f 3 to 6 months in business. They want to see $10,000 deposited per month - $1,000 average daily per month - <5 NSF + <5 neg days per month. If the client has a few months declining deposits that will be an issue.

 

LENDER #12

Lender Description: Merchant Cash Lender provides advances to small businesses.
Geographic lending areas: All 50 states
Loan Products: Cash Advances
Loan Sizes: 5k – 500k
Required Credit Scores: 
Required Revenues: Minimum 600
Min to Max Rates: 15%+
Other Information: Lender provides business owners with the working capital they need to grow.

 

LENDER #13

Lender Description: Merchant Cash Advance lender providing fast funding solutions to many industries.
Geographic lending areas: All 50 states
Loan Products: Small Business Loans and Merchant Cash Advance
Loan Sizes: 5k – 500k
Required Credit Scores: 500+
Required Revenues: 100k
Min to Max Rates: 15%+
Other Information: Lender provides transportation, restaurant, auto body, construction, wholesale, manufacturing, retail and medical financing. 

 

LENDER #14

Lender Description: Merchant Cash Advance lender that funds high risk merchants. 
Geographic lending areas: All 50 states
Loan Products: Merchant Cash Advance
Loan Sizes: 1.5k – 1M
Required Credit Scores: 550 above
Required Revenues: 120k+ 
Min to Max Rates: 15%+
Other Information: Lender will look at high risk industries other MCA funders will not. 

 

LENDER #15

Lender Description: Merchant Cash Advance Lender that has weekly and daily repayment plans.
Geographic lending areas: All 50 states
Loan Products: Merchant Cash Advance
Loan Sizes: 5k – 200k
Required Credit Scores: 550+
Required Revenues: 100k+
Min to Max Rates: 13%+
Other Information: Lender has weekly repayment programs.

 

LENDER #16

Lender Description: A Paper Merchant Cash Advance Lender.
Geographic lending areas: All 50 States
Loan Products: Merchant Cash Advances with daily repayments
Loan Sizes: up to 500k
Required Credit Scores: 600+
Required Revenues: 100k+
Min to Max Rates: 12%+
Other Information: Lender prefers Paper Merchant Cash Advance clients and will not fund B, C and D paper.

 

LENDER #17

Lender Description: National Merchant Cash Advance lender that likes to lend to high growth companies.
Geographic lending areas: All 50 states
Loan Products: Merchant Cash Advance with daily repayment
Loan Sizes: 10k – 1M
Required Credit Scores: 500+
Required Revenues: Minimum
Restricted Industries: Firearms/Firearms Dealers Gas Stations Oil/Oilfields Mining Used Car Dealerships Collections Agencies Real Estate & Property Management Recruiters/Staffing Agencies Insurance Agencies Law Firms Cell Phone Stores Travel Agencies Multi-Level Marketing Investment/Financial Firms Online Nutritional Supplements Ticket Brokers Escort Services Pornography Production/Retail Gambling/Gaming Medical Marijuana (legal) Non US Companies Franchisees where third party financing is not permitted (example: McDonald’s and 7-Eleven)
Min to Max Rates: 15%+

 

LENDER #18

Lender Description: Merchant Cash Advance lender providing MCA’s to small businesses.
Geographic lending areas: All 50 States
Loan Products: Merchant Cash Advance with daily repayment
Loan Sizes: 5k – 250k
Required Credit Scores: 600+
Required Revenues: Minimum 9k a month
Restricted Industries: Adult or Pornographic related, Used Car Sales, Taxi/Cab/Limo/Bus companies, Kiosks, Auction Houses or Auction Websites, Nightclubs/Lounges, Drug Paraphernalia or Medical Marijuana, any “Agency” type business such as Collection/Insurance/Real Estate/Travel, Pawn Shops, Consignment Shops, Attorneys/Law Firms or Legal Aid businesses, all Financial Services industries or Financial Advisors, Non-Profit Organizations, Publicly Traded companies, Churches, Lead Sales or Lead Telemarketing companies, Check Cashing, Food Trucks, Bail Bonds, Trucking/Freight/Shipping or Transportation/Logistics related businesses, Moving Companies, Smoke/Tobacco/Vape Shops. Also any business that does not hold inventory and relies on “drop shipping” only is a restricted business for SNAP.
Min to Max Rates: 15%+

 

LENDER #19

Lender Description: Merchant Cash Advance lender providing daily and weekly repayment options.
Geographic lending areas: All 50 States    
Loan Products: Merchant Cash Advance
Loan Sizes: 5k – 300k
Required Credit Scores: 600+
Required Revenues: Minimum: 120k
Min to Max Rates: 19%+

 

LENDER #20

Lender Description: Merchant Cash Advance Lender.
Geographic lending areas: All 50 States
Loan Products: Merchant Cash Advance, Consolidation Loans
Loan Sizes: 5K to 2MM
Required Credit Scores: No Fico required
Required Revenues: 100k
Restricted Industries: None
Min to Max Rates: 20%+
Other Information: Lender takes a collateralize position up to 75% of appraised value of the real estate.

 

LENDER #21

Lender Description: Merchant Cash Advance lender providing MCA’s with daily repayment.
Geographic lending areas: All 50 States
Loan Products: Merchant Cash Advance
Loan Sizes: 10k- 5M
Required Credit Scores: 500+
Required Revenues: 100k
Restricted Industries: None
Min to Max Rates: 25%+

 

LENDER #22

Lender Description: Merchant Cash Advance Lender with daily repayments.
Geographic lending areas: All 50 States
Loan Products: Merchant Cash Advance Lender
Loan Sizes: 25k to 3MM
Required Credit Scores:  600 up
Required Revenues: Minimum 250K
Min to Max Rates: 15%+

 

LENDER #23

Lender Description: Merchant Cash Advance Lender.
Geographic lending areas: ALL 50 States
Loan Products: Merchant Cash Advance
Loan Sizes: 10k to 500k
Required Credit Scores: 500
Required Revenues: Minimum 100k
Min to Max Rates: 15%+

 

LENDER #24

Lender Description: Merchat Cash Advance lender providing high risk merchants financing.
Geographic lending areas: All 50 states
Loan Products: Merchant Cash Advance
Loan Sizes: 10k-5M
Required Credit Scores: 450 to 600 up
Required Revenues: 100k
Restricted Industries: Trucking and home based businesses
Min to Max Rates: 15%+

LENDER #25

Lender Description: Merchant Cash Advance Lender.
Geographic lending areas: All 50 States
Loan Products: Lines of Credit
Loan Sizes: 25K to 500K
Required Credit Scores: 650
Required Revenues: Minimum 25K
Min to Max Rates: 16%+

 

LENDER #26

Lender Description: Lender is a leader in business financing and debt restructuring to the small and medium size business community.
Geographic lending areas: All 50 States
Loan Products: Merchant Cash Advance
Loan Sizes: 10k-1M
Required Credit Scores: 575
Required Revenues: 100k
Min to Max Rates: 12%+

 

LENDER #27

Lender Description: Merchant Cash Advance Lender.
Geographic lending areas: All 50 States
Loan Products: Merchant Cash Advances with daily repayment
Loan Sizes: 5K to 1M
Required Credit Scores: 500+
Required Revenues: 100k
Min to Max Rates: 13%+

 

LENDER #28

Lender Description: Simple and transparent approach.
Geographic lending areas: All 50 States
Loan Products: Merchant Cash Advances with daily repayment
Loan Sizes: 5K to 1M
Required Credit Scores: 500+
Required Revenues: 100k
Min to Max Rates: 13%+

 

LENDER #29

Lender Description: Funds Businesses Up To $1.5mm Within 24-48 Hours.
Geographic lending areas: All 50 States
Loan Products: Merchant Cash Advances with daily repayment
Loan Sizes: 5K to 1M
Required Credit Scores: 500+
Required Revenues: 100k
Min to Max Rates: 13%+

Contact Us

Please note that if you are interested in applying with us for any of the programs listed on our 4 Hour to 48 Hour page that you must contact us below. When you do we will follow up with you to coordinate a call. If you can have the following documents ready to go it will greatly speed up the application process:

 

1. Last Two Year Tax Returns

2. Last Six Month Bank Statements

3. Copy of your Credit Report from Creditchecktotal.com

4. Application Filled out

5. If easily available- current Year to Date Balance Sheet and Profit/Loss Statement

Name *
Name
Last Months Revenues