RafterAsk about a line

The Rafter line

Fund the AI bill before your customers pay you.

Credit sized to your AI spend and the timing of your customer payments. Draw what you need, pay it down, draw again. Monthly payments, never daily.

Ask about a Rafter lineCheck my cash gap
  • Your AI bill
  • Revenue comes in
  • The cash crunch

Step one · free

We check your AI spend

Rafter looks at your AI charges by vendor and month, spots growth and spikes, and lines your AI spend up against the revenue coming in. You'll see the date your AI bills are likely to get ahead of your cash.

Billed through AWS, Azure, Google Cloud or by invoice? We can't pull that automatically, so mention it and we'll talk it through.

Step two · if you qualify

A Rafter line

Your AI bill outgrew your card limit? Rafter sizes credit to the AI bills you can show and the customer payments behind them.

Room on the card, not the cash? A Rafter line of credit can cover the AI bill. Every term is in writing first.

What you're signing, in plain words

What it is
A revolving line of credit for your AI bills. Draw what you need when a bill comes due. Pay it down, and that room is there to draw again.
How it's sized
Around your AI spend and the timing of your customer payments.
Where draws go
To your business bank account. You pay the AI bill.
How you repay
Monthly, never daily. Each month you pay interest plus 10% of what you've drawn. Pay down more anytime, with no penalty. The line runs six months. Whatever's still drawn then is due, or can roll into a renewed line after a fresh review. Renewal isn't guaranteed, so plan for it.
Guarantee
Owners with 20% or more sign a personal guarantee.
What we never ask for
No warrants, no daily payments, no lockbox, no board seat.
Cost
The full monthly cost, APR included, in writing before you commit.

Subject to eligibility and approval. Available in select states. Loans made by Round Hill Technologies, Inc. d/b/a Rafter; all terms are provided in writing before you commit.

How it works

  1. a.

    Ask.

    A few quick questions about your business. Two minutes.

  2. b.

    Connect.

    If it's a fit, connect your bank accounts and cards so we can see your AI spend and incoming payments. The connection is read-only.

  3. c.

    Get your terms.

    If you qualify, you get every term in writing, APR included, before you commit.

  4. d.

    Draw when you need it.

    Pull from your line when the AI bill comes due. Pay it down and draw again.

Questions owners ask

Is this a loan?

Yes, it's credit: a line you draw on when your AI bill comes due, then pay down and use again. We'd rather say that plainly than dress it up.

How is this different from a cash advance?

A cash advance takes a cut of your sales every day. We don't. You make one monthly payment, and you see the full cost, APR included, in writing before you sign anything.

Why not just use my card?

Keep your card. Rafter is there for the months the AI bill outgrows your limit, or when you've got room on the card but not the cash to clear it.

Do you need access to my bank?

Only if you move forward. To size your line and keep it open, we connect to your bank and card accounts. We can see transactions. The bank connection is read-only.

What happens at month six?

Whatever's still drawn is due. If your business still fits, you can ask to renew, which takes a quick fresh review. We'll check in by month four so it's never a surprise.

Will asking hurt my credit?

No. Asking isn't applying, and we don't run a credit check.

Ask about a Rafter lineCheck my cash gap