Rho Capital is a revolving credit line up to $5M through Rho's capital partners. Draw when you need it, repay on terms up to 180 days per draw, and once approved, funds land in your Rho account in as little as 24-48 hours. Subject to approval.
Rho is a fintech company, not a bank or an FDIC-insured depository institution. Checking account and card services provided by Webster Bank, a division of Santander Bank, N.A. Member FDIC.
What you get with Rho Capital
¹ Credit line sizes as of 08/03/2026, with larger facilities considered case by case. Lines are sized by underwriting and are not preset or guaranteed. Products and services offered through the Rho platform are subject to approval.
- 01
Apply online
Application and consent to obtain a personal credit report is required. The check is a soft pull only; there is no hard pull on your personal credit score.
- 02
Get your line sized by underwriting
Your line is sized by underwriting and is not preset or guaranteed. A Personal Guaranty may be required, depending on underwriting.
- 03
Draw what you need
Once approved, draw against your line and funds land in your Rho account in as little as 24-48 hours. You control when and how much you draw.
- 04
Repay on your cycle
Choose repayment terms up to 180 days per draw, matched to your cash cycle. Repaid amounts become available to draw again.
Working capital credit lines up to $5M
- Revolving working capital credit line that replenishes as you repay
- Repayment terms up to 180 days per draw
- Funds in your Rho account in as little as 24-48 hours after approval
- Line sized by underwriting; not preset or guaranteed
- Application and consent to a personal credit report required; the check is a soft pull only, with no hard pull on your personal credit score
- Funds land in your Rho account, alongside the banking, cards, and payables you run on Rho
Fees vary based on risk assessment and loan term.
Pay now, collect later
Funds can land in 24 to 48 hours, so paying suppliers or payroll never waits on your customers.
Stay in control
A short application, no hard credit pull, underwritten on your business cash flow, not your personal credit or equity.
No cash flow squeeze
A revolving line with terms up to 180 days, no daily withdrawals, no revenue-share cuts, and no prepayment penalties.
| Rho Capital | |
|---|---|
| Product structure and size | Revolving working capital credit line, up to $5M (larger facilities case by case)¹ |
| Qualifying basis | Sized by underwriting; not preset or guaranteed² |
| Speed to funds | Funds in your Rho account in as little as 24-48 hours after approval |
| Repayment | Up to 180 days per draw; the line replenishes as you repay |
| Rho Capital | Mercury Venture Debt | Silicon Valley Bank Venture Debt | |
|---|---|---|---|
| Product structure and size | Revolving working capital credit line, up to $5M (larger facilities case by case)¹ | Term loan for startups that have raised venture capital within the past year; no dollar cap published | Loans typically sized at 20-40% of your last equity round or 6-8% of post-money valuation |
| Qualifying basis | Sized by underwriting; not preset or guaranteed² | Requires venture capital raised within the past 12 months, or a plan to raise soon; businesses operating in California excluded | Venture-backed companies that have raised a Series A or a sizeable seed round of $5M+ (per SVB) |
| Speed to funds | Funds in your Rho account in as little as 24-48 hours after approval | Not published on their site | Not published on their site |
| Repayment | Up to 180 days per draw; the line replenishes as you repay | Up to 48 months total, with an interest-only period of up to 18 months | Not published on their site |
Competitive data collected from Mercury and Silicon Valley Bank websites as of 2026-08-20, and may change. ¹ Credit line sizes as of 08/03/2026; lines are not preset or guaranteed and are subject to approval. ² Application and consent to obtain a personal credit report is required; the check is a soft pull only, with no hard pull on your personal credit score. A Personal Guaranty may be required, depending on underwriting.
A working capital line of credit gives a business a preset amount of credit it can draw from at any time, repay, and draw again. Unlike a loan, you only use it when you need it, and repaying restores your available credit. Rho Capital is a revolving working capital credit line up to $5M, with larger facilities considered case by case. Repayment terms run up to 180 days per draw, and once approved, funds arrive in your Rho account in as little as 24-48 hours.
- Draw against your approved line at any time
- Repaying restores your available credit
- Up to $5M, with larger facilities considered case by case
- Repayment terms up to 180 days per draw
Venture debt is a loan built for venture-backed startups. It is typically a term loan repaid over 2 to 4 years, sized as a fraction of your last equity round, and often paired with equity warrants that give the lender a right to buy stock. Covenants are common, and the repayment obligation runs for the full term whether or not growth arrives on schedule.
A working capital line answers a different question. It finances the gap between paying for growth and getting paid, on terms measured in days rather than years. Rho Capital lines are sized by underwriting and are not preset or guaranteed.
Venture debt structure: term loan; Rho Capital: revolving credit line. Venture debt typical term: 2 to 4 years; Rho Capital: up to 180 days per draw. Venture debt sizing: linked to your last equity round; Rho Capital: sized by underwriting and not preset or guaranteed. Venture debt speed to funds: varies by lender, often a negotiated term sheet; Rho Capital: in as little as 24-48 hours after approval.
If you need multi-year money against a fresh round, venture debt is built for that. If you need repeatable short-cycle credit, a revolving line fits the cycle you are actually financing.
- Venture debt: term loan repaid over 2 to 4 years, often with equity warrants
- Rho Capital: revolving credit line with per-draw terms up to 180 days
- Venture debt is sized off your last equity round; Rho Capital is sized by underwriting and not preset or guaranteed
- If you need repeatable short-cycle credit, a revolving line fits the cycle you are actually financing
A term loan delivers one lump sum repaid on a fixed schedule, which suits a single large purchase. A line of credit is reusable: draw, repay, draw again, and pay only for what you use. For recurring gaps like inventory buys ahead of a busy season or bridging receivables, the line's flexibility usually wins. Rho Capital takes the line side of this trade: per-draw repayment terms up to 180 days, and the line replenishes as you repay.
- Term loan: one lump sum repaid on a fixed schedule
- Line of credit: draw, repay, draw again, pay only for what you use
- Rho Capital: per-draw terms up to 180 days, line replenishes as you repay
Revenue-based financing and merchant cash advances trade capital for a fixed share of your future revenue, often collected through daily or weekly debits that flex with sales. That can suit businesses without predictable invoices, but the cost is usually quoted as a factor rate, and collection starts immediately. A revolving credit line keeps control with you. With Rho Capital, you decide when to draw and you repay on terms up to 180 days per draw.
- RBF and MCAs: capital for a share of future revenue, collected daily or weekly
- Cost quoted as a factor rate, with collection starting immediately
- A revolving credit line keeps control with you
- Rho Capital: you decide when to draw, repay on terms up to 180 days per draw
Apply online for a working capital line up to $5M, with repayment terms up to 180 days per draw and, once approved, funding in as little as 24-48 hours. Subject to approval.
Frequently asked questions
A working capital loan gives a business cash for short-term needs like payroll, inventory, or a supplier invoice, repaid over a set term. Rho Capital works as a revolving working capital credit line instead of a one-time loan: draw what you need, repay on terms up to 180 days per draw, and the line replenishes as you pay it down.
Products and services offered through the Rho platform are subject to approval. Slope is a financial technology company, not a bank. Business-purpose loans made by Lead Bank and subject to credit approval. Application and consent to obtain personal credit report is required. Subject to minimum revenue and business requirements. Personal Guaranty may be required. Fees vary based on risk assessment and loan term. Rho is a fintech company, not a bank or an FDIC-insured depository institution. Checking account and card services provided by Webster Bank, a division of Santander Bank, N.A. Member FDIC. Competitive data collected from Mercury and Silicon Valley Bank websites as of 2026-08-20, and may change. Credit line sizes up to $5M as of 08/03/2026, with larger facilities considered case by case; lines are sized by underwriting and are not preset or guaranteed. Product claims current as of August 2026.