$50M+
Capital deployed
1,200+
Businesses funded
< 4 hr
Average approval time
98%
Client satisfaction
02What we offer
Five ways to put capital to work.
Each program is built around a different cash-flow profile. We help you pick the right fit and place it with a lender that says yes.
01 / Merchant Cash Advance
Funding that flexes with your sales.
An advance against future credit card receipts, repaid as a fixed percentage of daily deposits. Best when speed matters more than rate.
Explore merchant cash advance
02 / Commercial Cash Advance
Working capital against steady revenue.
Straightforward terms for businesses with consistent deposits. One short application, no collateral pledged, funds in as little as 4 hours.
Explore commercial cash advance
03 / Small Business Loans
Fixed capital, fixed schedule.
Traditional and alternative term products repaid on a predictable monthly schedule. Best for expansion, equipment, or a known one-time outlay.
Explore small business loans
04 / Credit Card Processing
Take payments anywhere, settle faster.
Competitive interchange rates with reliable next-day settlement, in-store and online. Existing statements reviewed at no cost.
Explore credit card processing
05 / Payroll & HR Benefits
Keep your team paid and covered.
Streamlined payroll processing plus employee benefits administration, so you can attract and retain talent without adding headcount.
Explore payroll & hr benefits
In a hurry?
Apply now — we'll match the structure.
Skip the comparison. Send the file and we'll come back the same day with the right structure for your numbers.
Start application03Why Growth Rate
Built around how small businesses actually borrow.
Four things we do differently — and why they matter when you're the one waiting on a deposit.
No application fee.
Zero cost to apply and zero cost to compare options. We're paid by the lender on funding, never by you up front.
No collateral required.
Most of our programs are unsecured. Your home, your equipment, and your vehicles stay out of the conversation.
One team, start to finish.
Every application is reviewed by a real funding specialist. One point of contact by phone or email — no call center queue.
Wide lender network.
One file gets routed to the lenders most likely to say yes for your specific industry and revenue profile.
Industries
Funding for the businesses that keep things running.
We place files across dozens of industries. If you take deposits, you're worth a conversation.
04Process
From application to funded in four steps.
No paperwork mountain, no application limbo. We pull what we need, place the file, and come back with options.
01
Apply in minutes
Tell us how much you need and a few basics about the business. No lengthy paperwork, no bank visit, no cost to submit.
02
Get matched
We review your profile and route the file to the lenders in our network most likely to fund your industry and structure.
03
Review your offer
Compare structure, term, and total cost side by side. Clear terms, no hidden fees, no pressure to sign.
04
Get funded
Once you accept, funds are deposited directly into your business account — often within one business day.
05Track record
Real businesses. Real capital. Real fast.
“Growth Rate Capital got us funded within 24 hours. Professional, transparent, and simple. We covered payroll and restocked inventory without missing a beat.”
“Our bank had us in underwriting limbo for six weeks. GRC came back with two structured options in a day and the wire hit that Friday.”
“I run eight trucks and brokers pay net 45. The advance keeps fuel and payroll covered without the card balance creeping. Renewed twice now.”
“They ran the math with me instead of pitching. Consolidated two short-term advances into one loan with a much lower monthly payment.”
“The application took ten minutes. Inside a business day I had offers laid out side by side. That's the kind of help small businesses actually need.”
“Declined by two banks for an expansion line. GRC routed it to a lender that understands our industry and came back with terms in 48 hours.”
Frequently asked
Common questions, plainly answered.
Is Growth Rate Capital a lender?+
No. Growth Rate Capital is a working capital solutions company that connects business owners with independent third-party lenders. We package your file once and place it with the lender most likely to fund it — we don't originate or service the financing ourselves.
How fast can I actually get funded?+
Most files receive a decision the same day. Once you select an offer and complete the lender's documentation, funds typically deposit within one business day. Start to finish is often under 72 hours.
Will applying hurt my credit score?+
The initial review is a soft inquiry only and does not affect your score. A hard inquiry happens only after you've seen offers and authorized a specific lender to underwrite the file.
Is there any fee to apply?+
None. No application fee, no consulting fee, no upfront cost of any kind. We're compensated by the lender on funding — if a deal doesn't fund, no fee is paid by anyone.
What if I've been declined elsewhere?+
That's a common reason businesses come to us. A decline often just means the file landed with the wrong underwriter. The same numbers can get a different answer with the right routing.
Do I need tax returns or detailed financials?+
For most products, no. We ask for the last three months of business bank statements and a short application. Larger requests may require additional documentation.