Revenue stability
How consistent your revenue is month to month.
Requirements
Is FundRapido right for your business?
Check the main criteria before applying.
No business plan or investor pitch: we look at your real sales.
Quick check
- Company or sole trader registered in Spain
- At least 6 months of trading
- €6,500+ monthly sales
- Online and/or card sales
Tick all four? It's probably worth applying.
Current criteria
The businesses we focus on today
FundRapido is currently focused on businesses that:
- are legally registered in Spain;
- have at least 6 months of trading history;
- generate €6,500+ in monthly sales;
- generate sales online and/or through card-based channels;
- can provide the information required to verify business performance.
For companies (S.L., S.L.U. and S.A.) and sole traders (autónomos), for business purposes only. Criteria may evolve; meeting them does not guarantee approval.
EScompany or sole trader registered in Spain
6+months of trading
€6,500+monthly sales
Onlineand/or card sales (POS)
What we look at
We decide using real business data. These are the main factors.
Recent sales trends
How your sales have moved in recent months.
Trading history
How long the business has been operating.
Sector
Your activity, seasonality and sales model.
Existing obligations
Other funding or payment commitments in place.
Cash flow
How money moves in and out of the business account.
Payment history
How you have met your payments so far.
Verification and fraud checks
Identity, account ownership and fraud signals.
Minimal paperwork
What you don't need
We want to understand your business as it is today, not how it might look in five years.
- A business plan
- An investor pitch deck
- Giving up equity in your company
- A branch visit
- No personal guarantee, except in case of fraud
Documents and data we may ask for
The exact list depends on each business. We only ask for what is needed to assess and manage the funding.
Company
- Company details and tax ID (CIF)
- Deeds or registry details
- Beneficial ownership
Director
- Contact details
Sales and accounts
- Recent bank statements
- Online, POS or marketplace sales reports
- Information on other funding
Read-only connections: coming soon
We are introducing secure connections to share bank and sales data with fewer documents. In the meantime, you can provide statements and reports.
Not eligible yet?
That's fine. Many businesses meet the criteria a few months later. A few ideas in the meantime:
- If you've been trading under 6 months, come back once you have more sales history.
- If sales are below €6,500 a month, focus on stabilising them; consistency matters.
- Keep your statements and sales reports tidy: they will speed up a future application.
Learn while you grow
Practical guides on revenue-based financing, inventory, marketing and cash flow.
Requirements FAQ
Can I apply as a sole trader?
Yes. You can apply as a sole trader (autónomo) registered in Spain on the same terms as a company: at least 6 months of trading and average sales from €6,500 a month. You’ll use your NIF/NIE instead of a CIF.
What if I only sell in a physical store?
If you take card payments (POS), you may fit. We focus on online and/or card sales because they can be verified.
Does meeting the criteria guarantee approval?
No. They are minimum criteria; the decision depends on the full assessment of the business.
Do I need a personal guarantee?
No personal guarantee, except in case of fraud. The exact conditions are set out in the agreement.
Does it appear in CIRBE?
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.
Can I apply if I already have other funding?
Yes, you can apply. We will take your existing obligations into account in the assessment.
Check if you're eligible
Enter your figures in the calculator or start your application directly.