Rapid Capital

What Rapid Capital does

Rapid Capital Inc. is a privately held US business financing company founded in 2018 by Joe Gafni and headquartered at an undisclosed location. The company functions as an origination intermediary that connects small and mid-sized businesses with capital through an expansive network of partner lenders, offering funding levels from $5,000 to $5,000,000 across more than 28 industries. Its product portfolio spans equipment finance and leasing, working capital loans, vendor partner programs, Chapter 11 bankruptcy financing, 100% non-dilutive startup financing, franchise financing, aviation financing, and a specialized cannabis business funding program launched in October 2019.

The company's core technology stack is minimal: a WordPress marketing site with Adobe eSign application widgets and SEO-optimized landing pages for each industry vertical. There is no proprietary origination, underwriting, or servicing platform disclosed, and AI/ML capabilities are not referenced. Value is delivered through human-driven sales expertise, lender-network breadth, and operational speed, with the company stating an average approval time of within hours and same-day funding versus days at traditional banks.

Rapid Capital monetizes via transaction fees on funded deals and commissions on vendor partner referrals, with terms up to 72 months on equipment leases and 30-year amortizations on aviation loans. Go-to-market is sales-led: online applications, direct outreach, attendance at industry trade shows (e.g., International Restaurant & Food Service Show, Small Business Expo NYC), and a vendor referral network where equipment sellers embed Rapid Capital financing into their sales process. Customer segments are horizontal and fragmented, spanning SMBs, startups, franchisees, bankruptcy-debtor companies, cannabis operators, and equipment vendors nationwide.

Name

Rapid Capital

Legal name

Rapid Capital Inc.

Website

https://rapidcapital.com

Company type

Private

Founded year

2018

Operating status

Operating

Headcount range

1–10 employees

Short description

Rapid Capital Inc. is a US business financing intermediary founded in 2018 that connects small and mid-sized businesses with equipment leases, working capital loans, and specialized financing across 28+ industries through a network of partner lenders, with funding from $5,000 to $5,000,000.

Ownership category

akta.pro rank

Product category

Business Financing / Commercial Lending

NAICS

Credit Intermediation and Related Activities (522), Commercial Banking (522110)

SIC

Loan Brokers (6163), Short-Term Business Credit Institutions (6153)

akta.pro industry

PRIMARYFSAKAGAB

SME Term Loans & Growth Capital

Financial & Insurance/Lending & Consumer Finance/Small Business & Microenterprise Lending

Keywords

• Equipment financing
• Working capital loans
• Business lending
• Vendor financing programs
• Franchise financing

Headquarters

HQ city

Flushing

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D

Revenue model

1. Equipment Finance and Leasing: Provides financing and leasing for business equipment including machinery, vehicles, and specialized equipment across 28+ industries. Offers up to 72-month terms with competitive rates.
2. Working Capital Financing: Short-term financing to help businesses cover and bridge operational expenses and improve cash flow.
3. Vendor Programs: Partner program enabling equipment sellers to offer financing to their customers, with commissions paid to partners.
4. Bankruptcy Financing: Specialized financing for companies in Chapter 11 bankruptcy reorganization to continue operations during restructuring.
5. Startup Financing: Non-dilutive funding for startups to help launch and grow their businesses.
6. Franchise Financing: Financing solutions for opening, buying, or refinancing franchises.
7. Cannabis Business Funding Program: Specialized financing program for cannabis businesses that face barriers with traditional banks due to federal legal restrictions. Targets biotechnology, cultivation, hemp/CBD, marijuana products, and ancillary cannabis companies.

Pricing tiers

Go-to-market motion1 record

Distribution channels2 records

Marketing channels4 records

Core offering

Rapid Capital is a U.S. business financing company that originates equipment finance and leasing, working capital loans, merchant cash advances, and specialized financing products (bankruptcy, startup, franchise, aviation, and cannabis business funding) for small businesses. It matches applicants with funding from $5,000 to $5,000,000 across 28+ industries through its own balance sheet and a network of partner lenders, marketing approvals within hours and same-day funding.

Product overview

Rapid Capital is a business financing company offering a portfolio of specialized financing products. The core offerings include Equipment Finance and Leasing for machinery and vehicles, Working Capital Financing for cash flow needs, and Vendor Programs for equipment sellers. Additional niche products include Bankruptcy Financing for companies in Chapter 11 reorganization, Startup Financing providing 100% non-dilutive funding, Franchise Financing for franchise purchases, Aviation Financing for aircraft loans, and a Cannabis Business Funding Program. The company connects businesses with funding levels from $5,000 to $5,000,000 through an expansive network of lenders, with approvals typically within hours and funding available the same day.

Differentiator

Problem solved

Functional benefit

Products and services

• Equipment Finance and Leasing Financing and leasing for all types of business machinery, vehicles, and equipment. Available to small businesses across 28+ industries with terms up to 72 months and competitive rates.
• Working Capital Financing Working capital loans designed to boost cash flow and cover or bridge business expenses with manageable monthly installments. Targeted at small businesses with short-term operational financing needs.
• Vendor Programs Program enabling equipment sellers, dealers, and manufacturers to register and help their customers purchase equipment with flexible financing options on the seller's terms. Partners receive commissions and benefit from higher approval rates through Rapid Capital's lender network.
• Bankruptcy Financing Funding solutions for companies undergoing Chapter 11 bankruptcy reorganization to continue present operations during the restructuring process. Targeted at businesses that traditional lenders will not finance.
• Startup Financing 100% non-dilutive funding program for startups to help them reach their full potential without giving up equity. Targeted at early-stage companies needing launch or growth capital.
• Franchise Financing Financing solutions for opening, buying, or refinancing a franchise with quick approval and flexible options. Targeted at prospective and existing franchisees.
• Aviation Financing Competitive aircraft financing for corporate jets, piston planes, helicopters, and more with variable and fixed-rate loans, up to 30-year amortizations, and refinancing options. Targeted at aircraft buyers and operators.
• Cannabis Business Funding Program Industry-leading financing program for cannabis entrepreneurs in the $10 billion cannabis industry, offering fast financing without requiring equity sacrifice. Available to cannabis businesses that face barriers with traditional banks due to federal legal restrictions.

Quantifiable outcome

• Average approval time within hours compared to days at traditional banks
• +2 more outcomes

Segments6 records

Ideal customer profiles6 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Scale indicators5 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Kabbage (American Express): Now part of American Express, Kabbage provides SMB working capital lines and loans — directly overlapping with Rapid Capital's small business cash flow financing.
• National Funding: National Funding is an SMB financing company offering working capital loans and equipment financing — closely matching Rapid Capital's product portfolio and small business target market.
• CAN Capital: CAN Capital provides working capital loans and merchant cash advances to small businesses — directly comparable in target customer and short-term SMB funding products.
• Currency Capital: Currency Capital is a commercial equipment financing marketplace connecting businesses with multiple lenders — directly comparable in equipment financing broker model and SMB customer base.
• OnDeck Capital: OnDeck is a leading online SMB lender providing working capital loans and equipment financing to small businesses — directly comparable to Rapid Capital's core product mix and target customer.
• Balboa Capital: Balboa Capital specializes in equipment leasing and financing for SMBs across many industries — a direct competitor in Rapid Capital's core equipment finance vertical.
• BlueVine: BlueVine provides working capital, lines of credit, and invoice factoring to SMBs via a digital platform — competing head-on with Rapid Capital's speed-of-funding value proposition.
• Fundbox: Fundbox offers working capital and credit to small businesses through an embedded finance platform — comparable customer segment and short-term financing product set.

Emerging players

• Lendio: Lendio is an SMB loan marketplace aggregating multiple lenders and products — overlapping with Rapid Capital's broker-network distribution model.
• Biz2Credit: Biz2Credit operates an SMB lending marketplace connecting borrowers to multiple lenders — a marketplace/origination model similar to Rapid Capital's network-broker approach.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat3 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/RapidCapitalUSA
• Facebookfacebook.com/Rapid.Capital.inc
• LinkedInlinkedin.com/company/rapidcapital

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Rapid Capital