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Loan Programs
A Full Suite of Financing for Rhode Island Businesses
Lines of credit, term loans, SBA 504, mezzanine, and state-backed programs. We build the right mix of conventional bank financing and gap capital for your situation.
company INTRODUCTION
RI Capital offers an extensive selection of products designed to create the right financing package for your business. We provide senior debt, subordinated debt, mezzanine, and private equity options that can be customized to your needs. We work with any lender to find the right mix of conventional bank financing and an RI Capital loan or investment. Our financing typically offers higher advance rates and longer terms than a bank is allowed to offer, and we can work with businesses that have a collateral shortfall, uneven earnings, or high leverage due to growth.
Our Programs
Results-driven financing
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FUNDING USES
Built around the way your business actually grows
Working Capital
Machinery and Equipment
Real Estate
Debt Restructuring
Subordinated Debt
WHY RI CAPITAL
More than just
a lender
Customized Structures
No required formulas or fixed advance rates. Every loan and investment is built around the specifics of the business.
Higher Advance Rates and Longer Terms
Our financing typically offers structures that a bank is not allowed to offer.
Bank Partnership Model
We coordinate with your primary lender so your bank can keep treasury services, deposits, and the lead relationship.
Local New England Decisions
Underwriting and approvals happen in New England, by people who know the regional market.
Not sure which program fits?
Our business development officers are a phone call away to guide you through the options.
RI Capital is an affiliate of BDC Capital.