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Term loans funded the same day

Business funding, decided in 2 hours.
Funded today.

Tell us three things and a real underwriter gives you a decision in 2 hours. Approved term loans fund the same day. $25K to $15M, no collateral, $0 to find out.

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Live estimate

Soft pull only — no credit impact No documents or SSN to start $0 fees · no obligation 256-bit encryption

Prefer to talk to a person first? Call (212) 300-3753  · 

Underwritten in house at 40 Wall Street, New York
Lower Manhattan, home of Rapidly Capital

Decided on Wall Street. Wired to Main Street.

Underwritten in house at 40 Wall Street, New York. One team, one call, one answer in two hours.

$0funded to date
0businesses funded
2 hrsto a real decision
Same dayterm-loan funding
$0fees to us, ever
From our book

Real situations. Real Thursdays.

Names and details changed to protect our clients. The structures are exactly what we place every week.

Four advances were pulling from my account every single morning. Rapidly consolidated all of them into one payment. Payroll went back to running from the operating account.

4 daily debits → 1 monthly payment · funded same day
D
Dario, fleet ownerTrucking & logistics · New Jersey

I was about to turn down the biggest contract of my life because I couldn’t carry the materials. Approved that morning, wired that afternoon. The yard and the equipment stayed mine.

Unsecured term loan sized to the contract · no lien
M
Maria, general contractorConstruction · Queens

We didn’t need money tomorrow, we needed the cheapest money and someone to actually run the SBA process. The team handled the whole back-and-forth with the lender.

SBA 7(a), 25-year amortisation · second location acquired
R
Dr. Raj, practice ownerHealthcare · Long Island
Underwritten in house

Our own team reads your file. No call centre, no queue, no hand-off to strangers.

Your file stays yours

Shared only with the partner that funds you. Never sold, never blasted to a lender list.

Every term in writing

Amount, rate, payment, total cost — on paper before you commit to anything.

Clients are family

Most of our business is repeat and referral. We’re building relationships, not closing tickets.

Today at 40 Wall Street

Today’s reason to apply.

A Rapidly Capital advisor meeting a business owner
Standing offer

$0 fees. This week and every week.

No application fee, no origination fee to Rapidly, no processing surprise at signing. We are paid by the funding, not by you.

Consolidation

Already have a loan or advance? Reduced rate review.

Bring your current payoff. Files that consolidate existing debt get our sharpest pricing tier and one fixed payment instead of daily debits.

Business + real estate

One desk for the business and the building.

Term loans to $15M and commercial real estate to $50M under one roof, so you don’t explain your story twice.

Offers describe how we prioritise and price files; all pricing is set by underwriting and shown in writing before you sign.

How it works

Morning to funded, in four steps.

1
60 seconds

Tell us the basics

Amount, revenue, contact. No documents, no SSN, soft pull only.

2
Minutes

Your advisor calls

A real person confirms a few details and picks the right program.

3
2 hours

Decision and terms in writing

Amount, rate, payment and total cost on paper. Ask anything. No obligation.

4
Same day

Funds wired

Sign and the term loan lands in your business account the same business day.

Funding solutions

Fast money when speed wins.
Cheap money when time allows.

Funded same day
$25K – $15M

Business Term Loan

One fixed payment, 6 to 60 months, no collateral. Decision in 2 hours, funded the same day.

  • Consolidate daily-debit advances into one payment
  • Working capital, inventory, payroll, expansion
  • No prepayment penalty
  • 6+ months in business, $15K+/mo revenue
Up to $5M

SBA 7(a) Loans

Government-backed, the lowest long-term cost in the market. We run the process end to end so you don’t.

  • Terms to 25 years
  • Acquisitions, expansion, refinance
  • An advisor manages the paperwork
  • Bridge to close while SBA processes
Up to $50M

Commercial Real Estate

Bridge, construction, hard money and permanent financing for investors and owner-operators.

  • Close in days when the bank can’t
  • Cash-out refinance on idle equity
  • Multi-family, mixed-use, industrial
  • Fix & flip and ground-up
Working capital advanceLine of credit to $500KEquipment financingInvoice factoring
Why owners pick us

The bank says wait. The advance stack says bleed. We say Thursday.

What mattersBankAdvance stackRapidly
Decision2–8 weeksSame day2 hours
FundingWeeks to months1–2 daysSame day
RepaymentMonthlyDaily debitsOne fixed payment
UnderwritingCredit score firstBank balanceBusiness revenue
CollateralUsually requiredOften a UCC lienNot required to $15M
Cost to applyHard credit pullVaries$0 · soft pull only
Terms in writing firstSometimesRarely clearAlways
Who you’re dealing with

New Yorkers. Where the money is.

Rapidly Capital sits at 40 Wall Street because that’s where the capital is and where the decisions get made. We were built by people who spent years watching strong businesses lose deals to slow answers — and decided the answer should take two hours, not two months.

“Our clients are our family. We’re not chasing one deal — we want the next ten years of your growth.”

Underwritten in houseOpen weekendsBusiness & real estateRepeat & referral book
40 Wall Street, New York, NY 10005Financial District · Mon–Fri 8:30–6:30 ET · weekends by phone
Directions
Your funding specialistA direct line. No switchboard, no ticket number.
Questions

Straight answers.

Still unsure? Call (212) 300-3753. A real advisor answers.

Ready when you are

Decision in 2 hours.
Funded today.

☎ (212) 300-3753

Sixty seconds · soft pull only · $0 to find out · 100% confidential

Funding solutions

Fast money.
Cheap money.

Every product below is placed by a named advisor who tells you which one is actually right, even when it’s the slower, cheaper one.

Term loans & working capital.

Decisions in 2 hours. Term loans funded the same day.

$25K–$15M

Business Term Loan

  • Funded the same day as approval
  • One fixed payment, terms 6–60 months
  • No collateral, no prepayment penalty
  • Ideal for consolidating daily-debit advances
To $10M

Working Capital Advance

  • Sized on revenue and deposits
  • Funded as fast as same day
  • Approval on performance, not credit alone
  • Weekly remittance options
To $500K

Business Line of Credit

  • Draw what you need, when you need it
  • Revolving — replenishes as you repay
  • Pay only on what you draw
  • Built for seasonality and payroll
To $5M

SBA 7(a) Loans

  • Government-backed, lowest long-term rates
  • Terms to 25 years
  • Acquisitions, expansion, refinance, real estate
  • We manage the process end to end
Custom

Equipment Financing

  • Up to 100% of equipment cost
  • New or used
  • Preserve working capital
  • Section 179 tax advantages
To $5M

Invoice Factoring

  • Turn receivables into cash
  • Up to 90% of invoice value, same day
  • No debt on your balance sheet
  • Ideal for B2B on net terms

Real estate financing to $50M.

From acquisition to construction, including properties other lenders won’t touch.

To $25M

Commercial Bridge Loans

  • Short-term capital for acquisition
  • Move when banks are too slow
  • Commercial, mixed-use, multi-family
  • Close in days, not months
To $10M

Hard Money Loans

  • Asset-based — property value drives approval
  • Fix & flip, buy & hold, distressed
  • Close in as little as 5–7 days
  • Rehab financing included
To $15M

New Construction

  • Ground-up and major renovation
  • Draws tied to milestones
  • Residential, multi-family, commercial
  • Land acquisition in select structures
To $50M

Commercial Mortgage

  • Long-term financing for income property
  • Office, retail, industrial, multi-family
  • Fixed and variable options
  • Cash-out refinance on idle equity

Not sure which one?
Neither are most owners.

Sixty seconds and an advisor tells you which structure fits, and what it costs, in writing.

Our story

Built on Wall Street by people who got tired of “no.”

Rapidly Capital started with a simple observation from inside commercial lending: the businesses that keep New York running were being told to wait six weeks for an answer that was usually no.

Before Rapidly, our founding team spent years on the other side of the desk — at lenders, at funds, at the brokerages that shopped files around town. We watched a contractor in Queens lose the biggest job of his life because the bank needed “two more weeks.” We watched a fleet owner stack four advances because nobody would consolidate them. We watched good businesses get punished for being fast-moving.

So we built the lender we wished existed. One address, 40 Wall Street. One team that underwrites in house and picks up the phone. One promise: a real answer in two hours, the money the same day, and every term on paper before you sign.

“We’re New Yorkers. We don’t do slow, and we don’t do vague.”

Speed only matters if the money is sane. Every term loan we place has one fixed payment. When the cheapest capital is the right capital — SBA, real estate — we say so and we place it, even though it’s slower. That honesty is why most of our book is repeat clients and their referrals.

Our clients are our family. We’re not here for one deal; we want to fund your second location, your next truck, and the building you buy in five years.

The Rapidly Capital team at 40 Wall Street
Your funding specialistReads every file personally. Your direct line from first call to wire.
Underwritten in house

Our own team. No queue, no strangers.

Never sold, never shopped

Shared only with the partner that funds you.

Open weekends

Apply Saturday, funded Monday morning.

Business & real estate

One desk for both. To $50M.

Ready to stop waiting on the bank?

Contact

Talk directly with our team.

A senior funding specialist picks up. No switchboard, no ticket number, no pressure. Questions before applying? Just ask.

Rapidly Capital offices, 40 Wall Street
Office40 Wall Street
New York, NY 10005
HoursMon – Fri 8:30 AM – 6:30 PM ET
Weekends: apply online, funded Monday morning
40 Wall Street, New York, NY 10005Financial District · steps from the NYSE
Directions
Send a messageReply within one business day

60-second check · no documents to start

See what you qualify for.

Tell us the basics and a funding advisor calls you back with real options. No documents or SSN to start, and checking won’t affect your credit score.

Quick eligibility check~60 seconds · soft pull only

Step 1 of 2

The numbers

Two figures and you get a live estimate of program fit before giving us anything else.

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Live estimate
No documents yetSoft pull — no score impact$0 fees

Where do we send your options?

Your advisor reviews the numbers and calls with real programs. This is the last step.

$0 feesSoft pull — no score impactNo obligation

Ready to go all in? Open the full application →

Or book a quick call15 min · free

Prefer to talk? Pick a time and an advisor calls you then. Mon–Fri, 8am–4pm ET.

 
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Full application · soft pull only

Bring offers to the first call.

Complete this and your advisor comes to the very first call with real options instead of questions. Encrypted and confidential.

Funding applicationEncrypted · 2-hour decision
Step 1 of 3 — What are you looking for?
1Funding
2Business
3Documents

What are you looking for?

 

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Your contact information

 

Business details

This helps us verify your business and tailor your offer.

Business address

 

Bank statements

Your three to four most recent months. PDF, JPG or PNG — a phone photo of each statement is fine. This is what turns a call into an offer.

Authorization & signature

 

I certify that the information in this application is true, accurate and complete. I authorize Rapidly Capital and its funding partners to verify the information provided and to obtain business and personal credit reports as necessary to evaluate this application. I understand this does not constitute a commitment to lend.

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Last updated: September 14, 2026

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Last updated: September 14, 2026