Pillar 02 — Capital Access
Vetted capital, every structure, on time.
Capital Access — seven products covering every deal structure. Funded after the Intelligence layer qualifies your vision.
For established small businesses with revenue, history, and a clear use of proceeds. The most common reason a client comes to Rag Tyme — they've outgrown their cash flow, the bank is slow, and they need capital to keep moving.
Ideal use
- Inventory purchases ahead of a busy season
- Hiring or expansion into new locations
- Bridging receivables on a large contract or invoice
- Refinancing higher-cost debt (MCAs, credit cards, prior advances)
- Equipment or vehicle purchases tied to revenue
- General working capital with seasonal cash flow
| Loan amounts | $25,000 – $5,000,000 |
| Term length | 6 months to 10 years (term loans); 12-month renewable (LOCs) |
| Interest rates | Prime + 1% on the low end (bank LOCs) to 18–30%+ on revenue-based products. Most placements land 9–18%. |
| Funding speed | 3–10 business days for non-bank products; 3–6 weeks for bank LOCs |
| Collateral | Varies. Unsecured up to ~$250K with strong credit. Above that, expect blanket UCC and/or specific collateral. |
| Personal guarantee | Required on nearly all small business loans. Standard. |
| Minimum time in business | 6 months for revenue-based; 2 years for bank LOCs and SBA-style products |
| Minimum monthly revenue | $15,000 for most non-bank options; $30,000+ preferred |
| Minimum credit score | 600+ for most options; 680+ unlocks better rates and bank products |
| Documentation required | 3–6 months bank statements, last 2 years business tax returns, P&L, balance sheet, debt schedule, ID, voided check |
Rag Tyme process & timeline
- Day 1:Intake call. we determine if this is a fit and which lender path is right.
- Day 1–2:Document collection. Engagement letter signed. Soft credit pull (no impact).
- Day 2–5:Lender placement and underwriting. we manage all communication.
- Day 5–10:Term sheet, client review, hard credit pull, closing docs.
- Day 7–12:Funding. Most deals close inside two weeks for non-bank products.
What we won't do
- Stack a new MCA on top of two existing ones — we'll consolidate or decline
- Place clients with predatory lenders just to earn a fee
- Promise a rate before underwriting reviews the file
Success fee
1–3% of the funded amount, depending on lender compensation, deal complexity, and product type. Disclosed in writing before any work begins. Paid at close, typically from loan proceeds.