Both Rapid Financing Instrument (RFI) and Rapid Credit Facility (RCF) are lending facilities offered by the International Monetary Fund (IMF) to member countries facing urgent balance of payments needs. Rapid Financing Instrument (RFI): This is available to all IMF member countries. Rapid Credit Facility (RCF): This is a concessional lending facility specifically for low-income countries (LICs) that are members of the Poverty Reduction and Growth Trust (PRGT).