Working capital built for growing consumer brands

Rho Capital is a revolving working-capital credit line for businesses that pay for growth before they get paid — covering gaps like inventory purchases, supplier payments, payroll bridges, and marketing spend. It's underwritten on your real business cash-flow data, not just credit scores. Draw when the gap opens, repay as the cash comes back, and the line replenishes as you pay it down — with flexible repayment terms up to 180 days, no origination fees, no prepayment penalties, and funds landing directly in your Rho account.

No — explicitly not. There are no daily withdrawals and no cut of your revenue. Rho Capital is a revolving credit line: you control when you draw, repayment terms run up to 180 days, and paying down the line restores your available credit.

About 48 hours from application — in some cases as little as 24. Because the line is underwritten against your real business cash-flow data and funds land directly in your Rho account, there's no separate disbursement setup.

Credit lines go up to $5M (as of 08/03/2026), and larger facilities are considered case-by-case. Your specific line is sized by underwriting against your business's actual cash-flow data — line sizes are not guaranteed or preset.

There are no origination fees and no prepayment penalties. Rates are based on your business's cash flow and shown during your application — no warrants, no dilution.

Applying does not trigger a hard pull on your personal credit. As part of the application you consent to a personal credit report being obtained, but the application itself does not hard-pull your score.

A Personal Guaranty may be required, depending on underwriting — review your specific offer terms. (Note: Rho's corporate cards require no personal guarantee; that's a separate product with separate terms.)

You choose flexible repayment terms of up to 180 days per draw, matched to your cash cycle — for example, draw to buy inventory and repay as it sells, or bridge payroll ahead of a large receivable. Repaid amounts become available to draw again, and there are no prepayment penalties if you repay early.

It's for SMBs with a gap between paying for growth and getting paid — including businesses banks tend to under-serve, like those with lumpy revenue or a thin credit file, because underwriting analyzes your real transaction data rather than relying on traditional credit scoring. A consumer brand financing inventory is one example; so is an agency bridging payroll or a company front-loading supplier payments. What it isn't: long-term financing — it's a revolving line with per-draw terms up to 180 days, built for short working-capital cycles.

Rho is a fintech, not a bank. Checking deposits — including drawn Capital funds — sit at Webster Bank, N.A., Member FDIC (a national bank founded in 1935 with $85.5B in assets per its FDIC call report, 3/31/2026), and Rho Business Savings is swept across American Deposit Management Co.'s network of 400+ FDIC-insured institutions for up to $75M in FDIC coverage per entity.

A real human, 24/7, on every account and tier at no cost: phone 1-855-7-GETRHO, in-app chat, or SMS (verified 2026-08-02).