About RBS Funding Group
EVERY LENDER SAID "NO,"WE LOOKED CLOSER.
Real businesses don't always fit traditional lending criteria. RBS looks beyond the credit score to understand the business, its cash flow, and where it's going.
Who We Are
We Don't Operate Like a Bank — and We Don't Fund Like One.
At RBS Funding, we believe every hardworking business owner deserves a fair shot at success. Traditional banks judge your business by an outdated credit score or a rigid algorithm — turning their backs on high-risk industries, temporary credit bumps, and unique operating models.
We are a direct balance-sheet lender specializing in high-risk Merchant Cash Advances (MCAs) and flexible revenue-based working capital. Behind every bank statement is a business owner keeping the economy moving, providing for their family, and driving their industry forward.
That is why we underwrite your real cash flow and daily revenue velocity — not your past credit mistakes.
$500M+
Total Capital Deployed
10K+
Businesses Funded
10+
Years in Business
30 Min
Decision Turnaround
Why Business Owners Choose RBS Funding
The Funding Advantages That Actually Matter
We built every part of our process around the realities of running a business — not the preferences of a bank.
Direct Balance-Sheet Funder
You deal directly with our in-house underwriting team. No middleman broker markups, no hidden fees, and zero shopped paper — your confidential statements stay with us.
Cash-Flow Driven Approvals
Open tax liens, subprime FICO scores, or high-risk industry tags shouldn't freeze your operations. We evaluate current business momentum and daily revenue velocity — not legacy credit reports.
30-Minute Decisions & Same-Day Wires
Get real, binding offer terms within 30 minutes of submitting your bank statements. Once contracts are executed, funds are wired directly into your business checking account the same day.
Soft Credit Pulls Only
Review your available capital options with zero risk to your credit score. We check what matters — your cash flow — not a number that doesn't reflect your business today.
Revenue-Based Working Capital Products
What We Fund
Three capital structures built for the businesses banks turn away.
Merchant Cash Advances (MCA)
Convert Future Deposits Into Immediate Cash Flow
Receive an upfront lump sum against your future bank deposits. Flexible daily or weekly ACH remittances automatically scale with your revenue cycles — so repayment moves with your business, not against it.
High-Risk Working Capital
Capital for Hard-to-Place Verticals
Custom-built capital structures for industries traditional lenders avoid — construction, trucking, auto repair, restaurants, and heavy retail. Secure the funds you need for payroll, seasonal inventory, or equipment upgrades.
Position Add-Ons & Consolidation
Free Up Daily Cash Flow
We structure custom funding packages and consolidation options to eliminate high-frequency positions, reduce daily payment friction, and restore operational working room — so you can breathe and grow.
What We Stand For
Our Core Values
Speed Without Compromise
We built our entire process around getting capital into your hands fast — without cutting corners on service or transparency.
Direct Funding Model
No brokers, no middlemen. When you work with RBS, you work directly with the funder. Better rates, faster decisions, and a single point of contact.
Long-Term Relationships
We're not a one-and-done lender. Many of our clients have been with us for years, returning for additional funding as their businesses grow.
Full Transparency
No hidden fees, no surprises. We walk every client through the terms before they sign — so you always know exactly what you're agreeing to.
Headquartered in New York
Based in St James, NY — Funding Businesses Nationwide
Our office is on Long Island, but we fund businesses from coast to coast. Whether you're around the corner or across the country, our team is ready to move fast.
Ready for Capital on Your Terms?
Don't Let Rigid Bank Rules Stop Your Business Momentum.
Partner with a direct funder that understands the realities of running a business and delivers the speed you need to grow. Apply today — get a decision in 30 minutes.