Capital that keeps
business moving
Practical funding solutions for growing companies.
Clear process. Commercial focus.
Built around real business needs.
Tell us what you need. We'll help shape the next step.
Funding options designed for how
SMEs actually operate
Working Capital
Cover payroll, supplies, and day to day costs without waiting on slow paying clients. Working capital keeps operations running at full pace so cashflow pressure never becomes the reason a good business slows down.
Line of Credit
Draw funds when you need them, repay as cashflow allows. A revolving line of credit gives growing businesses a capital buffer — for opportunities, unexpected costs, or managing the gap between invoice and payment.
Term Loans
Fixed capital with a clear repayment schedule — ideal for planned investment, expansion, or consolidating existing debt. Term loans give businesses the certainty to execute growth plans without disrupting working cashflow.
Equipment Finance
Acquire, upgrade, or replace business critical assets without consuming working capital. Equipment finance lets the asset pay for itself over its working life, keeping cash available for operations and growth.
Invoice Factoring
Stop waiting 30, 60, or 90 days for invoices to clear. Invoice factoring releases the majority of the invoice value upfront so businesses with strong receivables can access the cash they have already earned, immediately.
Revenue Based Finance
Repayments flex with your revenue, higher in strong months and lower when trading is quieter. Revenue based finance suits businesses with consistent but seasonal or variable income, removing the pressure of a fixed monthly commitment.
A more practical
funding experience
Most business owners do not struggle to find funding options. They struggle to find the right one, presented clearly, by someone who actually understands how their business operates.
We build funding programmes around how specific industries actually operate, covering their cashflow cycles, cost structures, and growth patterns. Generic funding advice rarely fits an industry specific problem.
After your first call, you receive a written Funding Assessment covering your funding range estimate, business strengths and weaknesses, how we would structure the capital, and a recommended next step.
If a funding route is not right for your business, we will tell you, along with what needs to change before it is. Straightforward steps, commercial focus, and no pressure to proceed.
Simple. Clear.
Built to move.
From first contact to funded, a process that respects your time and gives you clarity at every step.
Fill in a short form telling us about your business and what you need funding for. No lengthy paperwork at this stage, just the essentials to get started.
We will schedule a short call to understand your business properly, covering your cashflow patterns, how you generate revenue, and what is driving the funding need right now.
You receive a written Funding Assessment covering your realistic range estimate, business strengths and weaknesses, how we would structure the capital, and a clear recommended next step.
If the route makes sense, we progress to lender submission, handling the process, keeping you updated, and moving at the pace your business needs.
What you receive
after your first call
Most brokers take your details and come back with a rate. We do something different. After your first call with us, you receive a written Funding Assessment, a clear commercial summary of where your business stands, what funding may realistically be available, and how we would structure it.
It is not a sales document. It is a working tool that gives you clarity before commitment.
- Consistent revenue base
- Strong client relationships
- Clear funding purpose
- Thin cash reserves
- Limited trading history
Invoice factoring against outstanding receivables, matched to your 30 to 45 day payment cycle and structured to scale with contract volume.
Funding product estimate
A realistic range of what funding may be available, with the most likely product types based on how the business operates.
Business strengths & weaknesses
An honest, lender facing view — what works in your favour and what needs to be addressed or positioned carefully.
How we would structure the capital
A clear recommendation on product type, likely structure, and why it fits the business model better than the alternatives.
Recommended next step
A specific, actionable direction — proceed to lender, address a gap first, or explore a different structure. You leave knowing where you stand.
Why we do this: Most business owners approach funding without a clear picture of what they qualify for, what lenders will see, or which structure fits their situation. The Funding Assessment changes that so every conversation that follows is grounded in reality, not guesswork. It is what separates a productive funding process from a wasted one.
Supporting SMEs
across sectors
Each industry above has a dedicated funding guide built around how that sector actually operates. We also work with businesses across manufacturing, professional services, trades, hospitality, retail and many more. If you run a business with a genuine funding need, get in touch.
Straight answers, early
Who do you work with?
We work with SMEs across trucking, staffing, commercial cleaning, equipment rental, restoration, home healthcare, and a growing number of other industries. If you run a business with a genuine funding need and consistent revenue, we would like to hear from you.
What can funding be used for?
Common uses include day to day working capital, covering payroll while waiting on client payments, buying or financing equipment, scaling into new contracts, bridging an invoice gap, or consolidating existing debt into a more manageable structure.
How much can I borrow?
That depends on your business — revenue, trading history, cashflow, and what the funding is for. After your first call, we provide a written Funding Assessment with a realistic range estimate specific to your situation. We do not give generic numbers before understanding your business.
Do I need to know the exact product?
No. Many of our clients come in knowing they have a funding gap but not which product fits best. You can apply with the business need in mind and we will identify the most appropriate funding route after the discovery call.
How quickly can funding be arranged?
Speed depends on the product type and lender. Some working capital and invoice factoring facilities can be arranged within days of submission. Equipment finance and term loans typically take one to two weeks. We will always give you a realistic timeline up front, not an optimistic one.
Is Rinia Capital a direct lender or a broker?
Rinia Capital is a business funding partner. We work across multiple lenders to find the right structure for your business. We do not have a bias toward any one lender, which means we can match the product to the situation rather than the other way around.
What is the Funding Assessment and is it free?
The Funding Assessment is a written summary you receive after your first call. It covers your realistic funding range, business strengths and any areas to address, how we would structure the capital, and a clear recommended next step. It is completely free and carries no obligation to proceed.
What if my credit history isn't perfect?
Credit history is one factor among many. We look at the full picture, including revenue consistency, cashflow, trading history, and business fundamentals. Some lenders we work with are comfortable with impaired credit, particularly when secured against assets or receivables. We will be honest with you about what is realistic.
Apply for
funding
Share a few details and we'll review the next step.