Frequently asked questions

The amount depends on your business’s sales and our assessment.

Companies and sole traders registered in Spain, with at least 6 months of trading, €6,500+ in monthly sales and online and/or card sales. The product is only for companies and sole traders, for business use, not for consumers. See the details in Requirements.

At least 6 months of trading, so we can analyse a real sales history.

€6,500+ per month. It is not the only factor: we also look at sales stability, trend and cash flow.

We focus on businesses with online and/or card sales, such as online stores, marketplace sellers or shops that take card payments. Sector is one of the factors in our assessment, so some businesses may not fit. If in doubt, write to us.

The online application takes a few minutes. If approved, you get the money in your account within 48 business hours of signing the contract.

Company details, details of directors and owners, and the information that lets us understand your sales: bank statements or banking data, sales history and, if applicable, data from your online store, marketplace or payment processor. We will also ask about current debts or obligations.

Within 48 business hours of signing the contract, if approved. Fast does not mean automatic approval: every application is assessed.

No. Receiving an offer does not commit you to anything. You can review it calmly and decide.

Yes, when your business situation changes, for example with more trading history or more stable sales. If we can’t make you an offer, we will try to give you general feedback where possible.

A fixed fee of between 6% and 10% of the contract amount. The exact percentage is set individually after we assess your business and you see it in the offer before you accept: the full cost of the funding is clear from the start.

No. It is a fixed fee you know before accepting the offer. There is no interest building up over time: even if repayment takes longer, the total does not increase.

Everything you pay is shown in the offer before you accept: amount, fixed fee and total repayment. If something isn’t in the offer, ask us before signing.

The total repayment is set in the agreement and doesn’t change because you sell more or less. The exact terms are those in your agreement.

You can repay early without any penalty; the fee does not change.

You repay an agreed share of your sales each period until the total repayment is completed. The percentage and frequency are stated in the offer.

In a period with lower sales, less is collected, as agreed in the contract. The total repayment doesn’t change; it simply takes longer. If you expect a sharp drop, let us know as early as possible.

More is collected in that period and you finish sooner. The total repayment stays the same.

Collection is monthly. The collection method is set out in the offer and the agreement before signing.

Indicative term, no fixed deadline: you repay with a share of your sales until the total agreed in your offer is complete.

Read-only connections are being introduced. Where available, they are designed to share information without permission to initiate payments or change your account. You can see the status of each integration in Security & data.

Read-only access cannot transfer money, create payments or change account settings. Repayments are only collected through the method agreed in the contract.

Only the information needed to assess and manage the funding: company and identification data, banking data, sales history, eCommerce, marketplace and payment processor data, and existing financial obligations.

Yes, you can withdraw consent for the connections you authorise. Bear in mind that while funding is ongoing, the agreement may require you to keep sharing certain information. For your data protection rights, see the privacy policy.

No. FundRapido is not a credit institution. The funding is formalised as a cuentas en participación (participation account) agreement under articles 239–243 of the Spanish Commercial Code: FundRapido contributes capital to your business and shares in its results. More detail in Legal information.

With FundRapido S.L., tax ID (CIF) B88785233, registered office at Plaza Gal·la Placídia 11, Puerta 2, 08006 Barcelona.

It is not a bank loan but a cuentas en participación (participation account) agreement. FundRapido is not a CIRBE reporting entity, so the transaction is not reported to CIRBE.

No personal guarantee, except in case of fraud.

Yes, you can apply again. Each new round of funding requires a new assessment and a new offer.

It depends on the case. Write to us and we’ll review your situation.

Not necessarily. Each offer is individual and takes into account the business’s current situation, including how previous repayment went.

Accounting firms and gestorías, financial advisors, eCommerce and marketing agencies, marketplace consultants, platforms and other SME advisors working with businesses in Spain.

Partners earn on every funded client — and again when that client returns for more funding. The exact terms are agreed with each partner before they start and shown in their partner dashboard.

Commission is only earned on funded deals. If there is no funding, there is no commission.

No. The programme involves no extra cost for the client.

No. Only FundRapido assesses and decides on each application, and no partner can guarantee approval or specific terms.

Not to start: the initial model works by referral. Final terms are governed by the partner programme terms. More in Partners.