APPLY FOR A $18,000 LINE OF CREDIT AND START SHOPPING!

START BUILDING CREDIT

How It Works

Rai Financial offers a unique membership called CreditFacts that once enrolled allows you to purchase electronics, furniture and office supplies from our online store. CreditFacts members enjoy many benefits, Apply now or look below and learn more.

$99 yearly membership

$100 minimum purchase

$18,000 of unsecured Credit

Membership with real
benefits you can use

With an easy approval process and a large array of products, a fresh start is just a click away

apply and get an instant decision

Here's how it works

Rai Financial offers two exclusive plans for you to choose from. Our standard CreditFacts plan offers a $18,000 in revolving credit or our CreditFacts Plus at $25,000 which is perfect for bulk orders or large purchases. These individual plans all offer low monthly payments and 24 months of 0% financing. Our BusinessFacts and BusinessFacts Plus NET30 accounts also function in the same way. These plans are setup to assist you in purchasing the products you need for your home or business.

woman that's happy about her great credit score

CREDITFACTS

START ON THE RIGHT PATH WITH
US TODAY

We'll find the right products that
fit your need.

RAI Financial’s CreditFacts revolving line of credit has a one time membership fee of $179.99 or $249.99 for our CreditFacts Plus and an annual maintenance fee of $99.99. CreditFacts accounts are reported to the major credit bureaus every month.

BUSINESSFACTS

GET YOUR BUSINESS GOING TODAY

We'll find the products to
furnish your office space.

RAI Financial’s BusinessFacts NET30 has a one time membership fee of $179.99 or $249.99 for our BusinessFacts Plus and an annual maintenance fee of $99.99. BusinessFacts accounts are reported to the major business credit bureaus every month.

No Turn Down Policy

Regardless of your personal or business credit you will be approved as long as you meet our minimum requirements. Get approved and start shopping today.

Hundreds of Products

With hundreds of products to choose and monthly giveaways Rai Financial and its staff are committed to providing you and your business the best shopping experience.

Reward Points

All CreditFacts and BusinessFacts members earn reward points for every purchase. Redeem your reward points for cash credit towards your balance or discounts towards your next purchase.

"From day one, Rai Financial and it's staff have been nothing but supportive."

– Jessica Garcia, Entrepreneur, Rai Financial Member

SIGN UP TODAY

Sign Up for CreditFacts Today.

Sign up online or call 1-877-379-3001.

STAFF READY TO HELP

Not sure where to start? We'll help.

Need to speak with one of our representatives?

More Details

NO TURN DOWN POLICY as long as you meet the below criteria:
Be a US Citizen
Have a monthly household income of $1000.00
Be 18 years or older.
Have a valid social security number.
Must have a valid Bank Account.

Accounts are reported to the 6 major credit bureaus, Experian, Transunion, Equifax, Clarity, Innovis and Microbilt.
Rai Financial’s CreditFacts revolving line of credit has a one time membership fee of $179.99 or $249.99 for our CreditFacts Plus and an annual maintenance fee of $99.99

• MEMBERSHIP FEE: On the Start Date of the Agreement, Borrower will be charged a one-time nonrefundable membership fee of $179.99 or $249.99 depending on which plan they choose to initiate the account (“Membership Fee”).

• ANNUAL FEE: A maintenance and service fee of $99.99 will be applied to your account each year beginning on the anniversary date of the Start Date (“Annual Fee”). The Annual Fee shall be payable on each anniversary of the Start Date until the Agreement is terminated. The annual fee will be automatically charged to the card on file.

• TRI-MERGE REPORTS/SCORES: CreditFacts Standard and Plus members receive 1 full year of monthly tri-merge credit reports and scores. After the initial year a fee of $14.99/month will be charged on the card associated with your account.

• Rai Financial will only pull a soft inquiry, and require a photo of your drivers license or state ID for verification purposes.

• Rai Financial will reports your account open to the six credit bureaus on a monthly basis for as long as your yearly membership fee is paid.

• You can cancel your yearly membership fee at any time.
• At any time, you decide to cancel your membership, your account will be reported as closed.

• If Rai Financial does not receive your yearly membership payment on the due date your account will not be reported the following month, and will consider your account to be closed.

• There are no refunds as this is a digital product.

• It will take between 30 to 60 days from the day you become a member, for Rai Financial CreditFacts revolving line of credit to show on your six credit bureaus reports.

• You are required to purchase a minimum of $100 of products from our online store, just keep your revolving credit line open.

• If you decide to use your line of credit to purchase anything from our website, there will be a 50% down payment required, with 24 months 0% financing for the remaining balance * Your Minimum Monthly Payment will be 10% or $30 whichever is greater, unless your account balance is less than $30 in which case the Minimum Monthly Payment will be equal to the account balance.

IF YOUR ACCOUNT IS DISPUTED FOR ANY REASON, YOUR REVOLVING CREDIT LINE WILL BE IMMEDIATELY CLOSED ON ALL THREE CREDIT BUREAUS AND THE BALANCE OWED WILL BE DUE IMMEDIATELY. IF THE BALANCE IS NOT PAID IN FULL, THE AMOUNT OWED CAN AND WILL BE REPORTED AS A CLOSED AND A CHARGED OFF ACCOUNT AFTER 180 DAYS.

More Details

NO TURN DOWN POLICY as long as you meet the below criteria:

Be a US Citizen
Have a monthly household income of $1000.00
Be 18 years or older.
Have a valid social security number.

Accounts are reported to the 5 business credit bureaus, Experian, Equifax, CreditSafe, DNB and Cortera

Rai Financial’s BusinesstFacts revolving line of credit has a one time membership fee of $179.99 or $249.99 for our BusinessFacts Plus and an annual maintenance fee of $99.99
• MEMBERSHIP FEE: On the Start Date of the Agreement, Borrower will be charged a one-time nonrefundable membership fee of $179.99 or $249.99 depending on which plan they choose to initiate the account (“Membership Fee”).
• ANNUAL FEE: A maintenance and service fee of $99.99 will be applied to your account each year beginning on the anniversary date of the Start Date (“Annual Fee”). The Annual Fee shall be payable on each anniversary of the Start Date until the Agreement is terminated. The annual fee will be automatically charged to the card on file.

• Rai Financial will only pull a soft inquiry, and require a photo of your drivers license or state ID for verification purposes. We will also need a copy of your SS-4 form from the IRS showing your EIN# along with a copy of your articles of formation.
• Rai Financial will reports your account open to the credit bureaus on a monthly basis for as long as your yearly membership fee is paid.
• You can cancel your yearly membership fee at any time.
• At any time, you decide to cancel your membership, your account will be reported as closed.
• If Rai Financial does not receive your yearly membership payment on the due date your account will not be reported the following month, and will consider your account to be closed.
• There are no refunds as this is a digital product.
• It will take between 30 to 60 days from the day you become a member, for Rai Financial BusinessFacts NET30 to show on the business credit bureaus reports.
• You are required to purchase a minimum of $100 worth of products from our online store.
• If you decide to use NET30 account to purchase anything from our website, there will be a 50% down payment required, with 24 months 0% financing for the remaining balance * Your Minimum Monthly Payment will be 10% or $30 whichever is greater, unless your account balance is less than $30 in which case the Minimum Monthly Payment will be equal to the account balance.

IF YOUR ACCOUNT IS DISPUTED FOR ANY REASON, YOUR REVOLVING CREDIT LINE WILL BE IMMEDIATELY CLOSED ON ALL THREE CREDIT BUREAUS AND THE BALANCE OWED WILL BE DUE IMMEDIATELY. IF THE BALANCE IS NOT PAID IN FULL, THE AMOUNT OWED CAN AND WILL BE REPORTED AS A CLOSED AND A CHARGED OFF ACCOUNT AFTER 180 DAYS.

CONSENT FOR ONLINE STATEMENTS

By electing to receive online e-Statements, you agree to receive and access your monthly periodic billing statement electronically. You will receive an email from us notifying you when your current RAI Financial Account statement is available. To view your billing statement you must click on the link in the email notification or sign in at ncdfinancial.com to access, view or print your statement. We reserve the right to send you paper statements at our discretion, even if you have given us consent to provide your statements electronically. If the email address you have provided to us is not deliverable, you will receive paper statements until the time you provide us a new valid email address. Once you have provided a new email address, you will begin to receive e-Statements.

You will continue to receive e-Statements other than in the two situations described above. If you wish to change your preference to not receive e-Statements and instead to receive paper statements, you must sign in at www.raifinancialmgt.com to change your preference from e-Statement delivery to paper statements. You may opt to change your preference at any time.

Communications may be sent to your email address provided to us by you. Communications may include your name and information about your Credit Account, including your balance or the due date. Electronic communications may be disclosed to any party with access to your Credit Account or email account. All communications in either electronic or paper format from us to you will be considered “in writing.”

By accepting e-statements, you agree to:
• Receive this information electronically, access and retain any disclosures received. To do this you will need a desktop or laptop personal computer with a minimum web browser that supports 128 bit encryption.
• Have ability to receive and read email.
• Receive statements electronically and confirm that you will download or print the statements for your records, acknowledge that you can access information that is provided electronically at this website.
• Acknowledge that you are providing your consent to receive electronic communications pursuant to the Electronic Signatures in Global and National Commerce Act and our intent that this statute applies to the fullest extent possible.

Important Notice: You understand that the information you have elected to receive is confidential in nature. We are not responsible for unauthorized access by third parties to information and/or communications provided electronically or any damages caused by unauthorized access. We are not responsible for delays in the transmission of any information. We are not responsible for any computer virus or related problems.

If your email address changes, you are required to notify us. You have the option to receive any information provided electronically in paper form. To receive specific information in paper form, or to notify us of a change in your email address, contact us at support@raifinancialmgt.com. You may also write us at RAI FINANCIAL LLC, 1340 Teaneck Road, Floor 2, Teaneck, NJ 07666.

Additional Mobile Technology Requirements: If you are accessing our site and the disclosures electronically via a mobile device (such as a smartphone, tablet, and the like), in addition to the above requirements you must make sure that you have software on your mobile device that allows you to print and save the statements presented to you. These applications can be found for most mobile devices in the device’s respective “app store.” If you do not have these capabilities on your mobile device, please access our site through a device that provides these capabilities.

Contact Us

Fill in your details and we’ll get back to you in no time.