Term Loans
Senior or Secondary Debt for Any Reasonable Business Purpose
$500,000 to $10 million in custom-designed term loans, sourced from our member banks. Flexible structures built around your business rather than a fixed formula.
.avif)
.svg)
company INTRODUCTION
RI Capital provides direct term loans to bridge the gap between business financing needs and conventional bank lending. Loans range from $500,000 to $10 million and may be senior debt or secondary to a primary financing arrangement. Funds are sourced from our member banks. Every loan is custom-designed. We have no fixed terms, advance rates, or formulas that must be met, which means we can offer extremely flexible solutions based on the specifics of your business.
WHY RI CAPITAL
More than just
term financing
Custom Structures
No required formulas. Each loan is shaped around the actual needs, cash flow, and collateral of the business.
Senior or Secondary
Senior debt when we are the primary, or junior secured debt that works alongside your bank.
Longer Terms, Higher Advance Rates
We typically offer structures that a regulated bank is not allowed to offer on its own.
Bank Partnership
We coordinate with your primary lender so your bank can keep treasury services and the lead relationship.
FUNDING USES
What term loans are used for
Working Capital
Machinery and Equipment
Real Estate
Debt Restructuring
Acquisitions and Buyouts
How It Works
Our process for financial success
Step 1:
Initial Consultation
We learn your business, capital structure, and what the term loan needs to accomplish.
Step 2:
Underwriting
We evaluate cash flow, collateral, and structure options, and coordinate with your existing bank where applicable.
Step 3:
Approval and Commitment
Once approved, we issue a detailed commitment letter outlining the proposed terms.
Step 4:
Closing and Funding
We move efficiently to close and fund, with clear communication throughout.
Frequently asked questions
No items found.
This is some text inside of a div block.
This is some text inside of a div block.
RI Capital is an affiliate of BDC Capital.