Overview

The RBFC was formed to bring responsible finance companies together to help educate Congress, federal and state regulators, and state elected officials on issues related to non-bank commercial finance. Our member companies offer fair and innovative marketplace alternatives to typical term loans and have filled the void created by the decline in small business lending by larger, traditional banks. The small business finance companies of the RBFC primarily offer Merchant Cash Advance (MCA) factoring products. This innovative method allows small businesses to access funds for a seasonal inventory surge or to replace an unexpected major equipment failure, for example. Our members provide financing between $10,000 and $500,000 to approved small businesses. RBFC member companies are helping to meet the needs of American small business entrepreneurs. Our member companies provide flexibility for small business owners who lack the daily capital to expand their businesses or get through rough times. By purchasing future receivables from small business merchants in exchange for liquidity, business owners can meet capital needs and hire new employees as well as create and secure jobs in today’s economy.