Trust and Transparency: How to Read a RiseFi Offer

When you receive a financing offer through your platform, you deserve to understand exactly what you're agreeing to. Here's a plain-language breakdown of every component.

Understanding Your Offer

Factor Rate

The factor rate determines the total cost of your financing. A factor rate of 1.15 on a $50,000 advance means you'll repay a total of $57,500. This is the total amount, not an annual interest rate.

Repayment Percentage

This is the fixed percentage of your daily sales that goes toward repayment. Typical rates range from 5% to 15%. If your daily sales are $10,000 and your repayment rate is 10%, you'll repay $1,000 that day.

Estimated Repayment Period

Based on your current sales velocity, we estimate how long it will take to fully repay. But remember — this is an estimate. If sales increase, you'll repay faster. If sales slow, it takes longer. There's no penalty either way.

What Happens During Slow Periods?

This is where RiseFi differs from traditional loans. With a fixed monthly payment, a slow month can be devastating. With revenue-based financing:

• Low sales day: Lower repayment amount
• Zero sales day: Zero repayment
• No late fees: Ever
• No penalties: For slow repayment

What To Look For

Before accepting any financing offer, check:

1. Total repayment amount — Factor rate times advance amount
2. Daily repayment rate — Percentage of daily sales
3. No hidden fees — RiseFi doesn't charge origination, processing, or early repayment fees
4. Clear terms — Everything should be spelled out in plain language

Our Commitment

RiseFi believes transparency builds trust. Every offer includes clear documentation, no hidden fees, and straightforward terms. If something isn't clear, ask us. We're happy to explain.