Straight answers,
early.

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.

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.

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.

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.

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.

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.

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.

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.

To begin, we need a clear picture of your business and the funding need. That typically means recent bank statements, an idea of monthly revenue, time in business, and what the capital is for. We will walk you through exactly what is required during the discovery call, so you are never left guessing.

The initial discovery call and Funding Assessment do not involve a hard credit pull, so there is no impact to your score at that stage. If you choose to proceed to a formal application with a specific lender, a hard inquiry may be required, and we will always tell you before that happens.

Yes. Most brokers won't touch a business under 12 months old, but we have products and lender relationships that work for businesses from day one. The options may be different from those available to an established company, but the infrastructure is built to support startups.

We are transparent about how we are compensated. In most cases the lender pays us, meaning there is no direct cost to you for the advice and structuring work. Where a fee does apply, it is agreed and documented up front, before anything proceeds.

We review your details and reach out to book a discovery call. From there you receive a written Funding Assessment covering your realistic range, how we would structure the capital, and a clear recommended next step. There is no obligation to proceed at any point.