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Mandates

The deals we work.

The transactions below are illustrative examples of the types of deals we structure and place. Names and identifying details are kept general. Specific closings are published on our Closings page only once verified with sponsor permission.

$51.4M
Funded volume
$2.7M
Avg mandate size
~13 days
Avg time to fund
20
Product types placed

Illustrative aggregate based on the representative mandates shown on this page.

Large Mandates

Mandates $3M and above

$16M

$16M Land Sale, 160-Acre Shopping & Residential Land, Florida

Situation

A 160-acre parcel zoned for shopping and residential development in Florida needed to be transacted at scale. Raw land at this size is one of the harder asset classes to finance because there is no operating income to underwrite against, so the structure leans on entitlement, location, and sponsor credibility rather than stabilized cash flow.

What we did

We placed the capital for the $16M land sale on a 21-day timeline. Land deals at this scale require lenders who understand development upside and entitlement risk rather than stabilized income, and our relationships in that pocket of the market made the timeline possible.

$16MLand sale
160 acresParcel size
21 daysStart to close
$10M / $50M

$10M Placement, $50M Platform, Direct Air Capture to Synthetic Natural Gas

Situation

An energy company building a direct air capture (DAC) to synthetic natural gas platform needed capital to move from development into deployment. The structure spanned an initial $10M placement against a $50M platform build, a project that blends infrastructure debt with growth capital and sits well outside what a standard broker can underwrite.

What we did

We placed the initial $10M tranche within 20 days, positioning the sponsor for the broader $50M platform raise. Energy transition projects at this stage need capital partners who understand the technology roadmap and the milestones that unlock the next tranche, not just the balance sheet.

$10MPlacement
$50MPlatform
20 daysStart to close
$10M

$10M Placement, Bitcoin Mining Company Rollup

Situation

A multi-country bitcoin mining operator was executing a rollup of smaller mining operations into a single consolidated entity. Rollups in this space need capital that can move across jurisdictions and close on acquisition targets before competitors do, with a structure flexible enough to handle both the platform and the acquired assets.

What we did

We placed $10M to fund the acquisition rollup over a 28-day window across multiple countries. Digital asset deals at this scale require capital partners comfortable with cross-border structure and the operational risk profile of mining, which is exactly where most conventional lenders step back.

$10MPlacement
Multi-countryScope
28 daysStart to close
$750k HELOC + $8M Refi

Portfolio Refinance, $8M Refi with $750k HELOC

Situation

A real estate investor with a substantial property portfolio needed to refinance an $8 million position while simultaneously unlocking equity through a HELOC to fund their next acquisition. Two transactions running in parallel, both at significant scale, with the HELOC proceeds intended to move quickly into a new deal.

What we did

We structured and placed both simultaneously, an $8 million refinance alongside a $750,000 HELOC. The HELOC gave the client immediate access to equity without selling any assets and created the capital stack for their next deal. This is exactly the kind of multi-product, complex structuring that most brokers don't have the lender relationships or experience to execute.

$8MRefinance
$750kHELOC
ParallelStructured together
$3,500,000

$3.5M Luxury Fix & Flip, Florida

Situation

A developer needed bridge financing for a luxury residential fix and flip in Florida at the $3.5 million level. High-end flips at this price point require lenders who are comfortable with the asset class, understand luxury market ARVs, and can move at the pace the deal demands. The wrong lender at this level is as damaging as no lender.

What we did

We placed the bridge financing for the full $3.5 million acquisition and rehab. At this deal size the relationship with the lender matters as much as the numbers, and our position in the market means we access lenders who understand luxury residential and don't apply standard residential logic to a product that operates differently.

$3.5MDeal size
FloridaMarket
LuxuryAsset class
Real Estate

Investor real estate under $3M

$1.7M

$1.7M Multi-Use Office Acquisition & Renovation, Houston, TX

Situation

An investor acquired a multi-use office space in Houston, Texas with a plan to renovate and reposition the asset. Acquisition plus renovation in one capital stack requires a lender comfortable funding both the purchase and the improvement work before stabilized value is achieved.

What we did

We structured acquisition and renovation financing together in a single facility covering the $1.7M need. Combining purchase and rehab into one structure let the client close on the asset and move straight into the renovation without a second round of capital or a gap between buy and build.

$1.7MAcquisition + renovation
Houston, TXMarket
Multi-useOffice
7% / 30-Year

DSCR Refinance, 30-Year Fixed at 7%

Situation

A real estate investor needed to refinance an existing rental property. They were self-employed with a complex tax return that made conventional financing difficult, a common situation for investors who have structured their affairs correctly for tax purposes but then struggle to qualify through traditional income verification routes.

What we did

We placed a DSCR loan on a 30-year fixed term at 7%. The property's rental income covered the debt service, with no W2, no personal income docs, and no issue. The client got long-term certainty on their largest asset and a payment they could plan around, without having to restructure how they run their finances.

30 yrFixed term
7%Rate secured
No W2Required
$15,000

Real Estate Gap Funding, 3-Hour Close

3 Hours
Situation

A real estate investor had a deal closing and needed gap funding to bridge a shortfall before the transaction completed. The window was extremely tight. Any delay risked the deal falling through entirely.

What we did

$15,000 gap funded and closed in 3 hours. In real estate, timing is everything and the difference between a deal closing and collapsing can come down to a single capital gap. Having the infrastructure to move this fast is what separates a capable funding partner from one who talks about speed but can't deliver it.

$15kGap funded
3 hoursStart to funded
Deal savedOutcome
Business Finance

Working capital, equipment, and credit facilities

$300,000

Auto Dealer, $300k SBA Express in 3 Weeks

Situation

An auto dealer needed $300,000 in SBA financing to support inventory and working capital. SBA loans are known for being slow, and the standard process can take months. The client needed this completed at pace without compromising on the quality of the product or the rate.

What we did

We placed an SBA Express loan for $300,000 and completed the entire process in 3 weeks. SBA Express is a specific programme that moves faster than the standard SBA route, and knowing which product fits and which lenders can execute quickly is what made the difference here.

$300kSBA Express
3 weeksStart to funded
SBA ratePricing
$100,000

Marketing Company, $100k Line of Credit, 24 Months

Situation

A marketing company needed a substantial revolving credit facility to manage cash flow across multiple client campaigns running simultaneously. They needed the flexibility to draw and repay as client retainers came in rather than being locked into fixed daily repayments that don't fit how an agency actually operates.

What we did

We placed a $100,000 line of credit on a 24-month term. The revolving structure means the client draws what they need, repays as revenue arrives, and the facility resets. Clean, flexible capital matched to how the business actually runs.

$100kFacility
24 moTerm
RevolvingStructure
$95,000

Mobile Mechanic, $95k Term Loan After Years of MCAs

Right Product
Situation

A mobile mechanic came to us having been placed in MCA products repeatedly by previous brokers. MCAs were not the right fit for his business, and the daily repayments were damaging his cashflow while the cost of capital was far higher than it needed to be. He had been paying for the wrong product for years.

What we did

We got him off the MCA cycle entirely and placed a $95,000 term loan over 3 years with fixed monthly payments. The switch alone saved him a significant amount on cost of capital, with monthly payments he can plan around and a clean credit history being built rather than a pattern of expensive short-term facilities.

$95kTerm loan
3 yrFixed term
Off MCAsFor good
$63,000

Restaurant, 24-Month Line of Credit

Situation

An established restaurant operator came to us needing working capital to cover inventory, staffing costs, and seasonal gaps in revenue. On the surface, the easy answer would have been a merchant cash advance, quick to place and straightforward to close. We didn't do that.

What we did

We structured a 24-month line of credit at $63,000 instead. An MCA would have cost this client significantly more over time and locked them into daily repayments that don't suit a business with variable weekly revenue. The LOC gives them a revolving facility they can draw from and repay on their own terms.

$63kFacility size
24 moTerm
LOCNot an MCA
$50,000

Marketing Agency, 4-Day Turnaround

Situation

A marketing agency needed fast capital to take on a new client contract and cover the upfront campaign costs before the retainer payments began arriving. They had 14 months of trading history and consistent revenue but needed a decision quickly, and the contract window was tight.

What we did

We sourced and completed $50,000 in working capital funding with a 4-day turnaround from initial conversation to funds in account. The business was able to onboard the client, deliver on the contract, and has since returned for a larger facility as revenue grew.

$50kFunded
4 daysStart to funded
14 moTrading history
$46,000

California Media Production Startup, Tough Market

Situation

A media production startup based in California needed capital to fund equipment, crew, and operational costs for an initial production slate. Being a startup in a creative industry in one of the most competitive lending markets in the country, most routes were closed. Lenders didn't like the sector, the age of the business, or both.

What we did

We found a path where others wouldn't and closed $46,000 in 12 days. Startup funding in a tough market with a fast execution. The client had a strong personal credit profile and a clear business plan, and we structured around those strengths rather than letting the sector and age of the business be the end of the conversation.

$46kFunded
12 daysStart to funded
StartupBusiness age
5 Trucks

Trucking Company, 5 New Trucks, Low Down, Competitive Rate

Situation

A trucking operator needed to expand their fleet with 5 new trucks to take on additional freight contracts. Equipment finance in the trucking space can be expensive and lenders often require heavy down payments that put pressure on working capital. The client needed a structure that preserved cash while getting the fleet on the road.

What we did

We placed equipment financing across all 5 trucks at a competitive rate on a 6-year term with a low down payment. The deal kept cash in the business while spreading the cost over the working life of the assets, and the fleet was on the road generating revenue against a payment structure that made commercial sense from day one.

5Trucks financed
6 yrTerm
LowDown payment
$25,000

Atlanta 3PL, $25k Credit Card Stacking, 18 mo 0% Intro

0% Intro APR
Situation

A third party logistics operator running two warehouse sites near the airport with same day routes for ecommerce and grocery clients came to us needing flexible capital to cover ramp up costs as contracted capacity grew every quarter. Founded in 2016 with 61 employees, they had solid revenue but wanted to avoid locking into a fixed term product that didn't match how their cash flow actually moved.

What we did

We structured $25,000 through business credit card stacking with an 18 month 0% intro APR. The client got revolving, draw as needed capital with no interest during the intro period, preserving cash while capacity scaled. The structure kept payments flexible and cost of capital near zero for the first year and a half.

$25kFunded
18 mo0% Intro APR
AtlantaMarket
$25,000

Houston HVAC Contractor, $25k Credit Card Stacking, 18 mo 0% Intro

0% Intro APR
Situation

A commercial HVAC and refrigeration contractor serving multifamily, retail and light industrial properties across the Gulf Coast needed working capital to bridge the gap between completing jobs and collecting on recurring maintenance contracts. Family owned since 2011 with 38 field technicians, they had steady revenue but uneven cash timing that made a traditional term loan the wrong fit.

What we did

We placed $25,000 through business credit card stacking with an 18 month 0% intro APR. The revolving structure let them cover parts, payroll and equipment costs during the gap between job completion and payment, all at zero interest during the intro window. A clean, flexible facility matched to how a seasonal contractor actually runs.

$25kFunded
18 mo0% Intro APR
HoustonMarket
$15,000

Tampa Marine Service, $15k Credit Card Stacking, 18 mo 0% Intro

0% Intro APR
Situation

A marine service and boat repair business operating from a 40 slip marina on Tampa Bay needed capital to cover engine parts, electronics inventory and haul out maintenance costs before seasonal revenue picked up. With commercial and recreational fleet clients paying on staggered terms, they needed a facility they could draw against without committing to fixed daily repayments.

What we did

We structured $15,000 through business credit card stacking with an 18 month 0% intro APR. The client drew what they needed for parts and labor during the slow season and repaid as fleet invoices came in, all at zero interest during the intro period. Flexible, low cost capital that fit a seasonal marine business perfectly.

$15kFunded
18 mo0% Intro APR
TampaMarket
$10,000

Corporate Services, Funded in 1 Hour

Fastest Deal
Situation

A corporate services business needed an immediate cash injection to cover an urgent operational expense the same day. No time for a standard process. They needed the money in hours, not days.

What we did

$10,000 funded in 1 hour from initial contact. When a client has a genuine emergency and the profile is there to support it, we move accordingly. Not every deal needs to be large to matter, and this one kept a business running on a day when it could have gone the other way.

$10kFunded
1 hourStart to funded
Same dayRequirement

Illustrative structures only. These are examples of how transactions are structured, not completed Rinia transactions. Verified closings appear on the Closings page.

Your Deal

Every mandate on this page started with one conversation.

Tell us what you need. We will tell you honestly whether we can help, how we would structure it, and what the realistic path looks like.