Rinia RLC

$50k–$250k at 0%.
No collateral. Already in reach.

Most businesses with a 680+ credit score are sitting on meaningful unsecured credit capacity and don't know it. The Rinia RLC structures it, deploys it, and then builds the credit profile that unlocks bigger financing after.

Access

$50k to $250k of unsecured credit at 0% intro APR, structured and deployed so it works as real capital, not just available limits.

0% intro APRUnsecured, no collateralFast to deploy

Build

Six months to a year of managed credit history forms automatically, establishing the fundable business credit profile lenders look for.

Managed credit historyFundable profile builtNo manual reporting needed

Scale

A built profile qualifies your business for term loans and larger facilities at better rates, on a clear, predictable timeline.

Qualify for term loansBetter ratesLarger facilities

Why it works

Capital today, a profile for tomorrow

The Rinia RLC is not a single loan. It is a structured programme that accesses unsecured credit at 0% intro APR, deploys it as working capital, and uses the managed repayment to build the credit profile that qualifies your business for larger, lower-cost financing next.

$50k–$250k

Credit accessed

Intro APR

6–12 mo

Profile build window

680+

Typical credit threshold

Is it a fit?

What we look for

Personal credit score of 680 or above

An operating business or one ready to deploy capital

No recent bankruptcies or major derogatory marks

A genuine use for the capital during the intro period

Not sure if you qualify? Apply and we'll assess your profile honestly. If the RLC isn't the right fit, we'll point you toward the route that is.

FAQ

Rinia RLC questions

Is 0% intro APR business credit really 0%?+

During the introductory period, yes. The structure relies on strategically opening and managing business credit lines with intro APR offers. The key is deploying and repaying within the intro window, which is part of what we manage.

What credit score do I need?+

We typically work with businesses where the principal has a 680+ credit profile. If you are below that, we can look at other routes and a plan to get you there.

Does credit stacking damage my credit?+

Unstructured, it can. That is why the Rinia RLC is managed, the timing, utilisation, and repayment are handled deliberately to build your profile, not damage it.

What happens after the intro period?+

The goal is to have built a fundable credit profile and deployed the capital productively during the intro window, positioning you for larger, lower-cost financing like term loans at better rates.

Find out if the RLC is in reach

Apply and we'll assess your profile and let you know honestly whether the Rinia RLC fits, or which route does.

Apply now See our mandates

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