Rhode Island Capital provides an extensive selection of products to create the most suitable financing product for you. Rhode Island Capital offers a full line of senior debt, subordinated debt, mezzanine, and private equity options that can be customized to suit your needs. We can work with any lender to find the right mix of conventional bank financing and a Rhode Island Capital loan or investment solution. Our financing typically offers higher advance rates and longer terms than a bank is allowed to offer. We can work with businesses that might have a collateral shortfall, uneven earnings, or high leverage due to growth and coordinate the solution with your bank.

Our Business Development Officers are a telephone call away to guide you through our financing options.

Funding Solutions

Rhode Island Capital has many options for businesses, from working capital lines of credit to term loans to SBA 7(a) and 504 term loans, to mezzanine and private equity investments. Financing from Rhode Island Capital can be used for:

Working Capital

When growth, new product introductions, expanded markets or high levels of capital expenditures dictate that some resources be allocated for the future, financing in the form of long-term working capital loans may be required to cover current and ongoing expenses. RI Capital, in conjunction with your primary lender, can help to accommodate such requirements.

Machinery & Equipment

RI Capital offers direct loans for machinery and equipment purchases when a higher advance rate on the collateral or a longer term is required. We can provide both senior and/or secondary debt in structuring a financing package that can improve cash flow and the balance sheet.

Real Estate Acquisition

RI Capital provides an array of loans for real estate acquisition or construction, up to 100% financing with preferred rates, maturities up to 25 years, first or second mortgage loans, participations with your primary lender and real estate loans with “early out” protection for your bank. See the “CDC New England SBA 504 Loans” insert for further details.

Business Acquisition & Expansion

RI Capital has been involved in many acquisitions as well as leveraged and management buyouts. We bring experience and creativity to these transactions, in addition to the all-important final piece of the financing package.

Debt Restructuring

Change is an integral part of business — needs expand, goals are refocused, or previous financing sources are outgrown. Change in debt structure may improve the potential of a company. RI Capital can provide both expertise and refinancing for current or long-term debt.

Subordinated Debt

When your company is growing and needs flexibility to capitalize on strong cash flow opportunities, RI Capital offers premier mezzanine financing to ensure all needs are met to continue expanding. RI Capital is prepared to offer you and your company one of the fastest growing financing tools in the industry.

Rhode Island Capital Access Program

Loans guaranteed through this program may be used to start or expand businesses, or to provide permanent working capital to ensure continued profitable operations.

Goldman Sachs 10,000 Small Businesses Program

Goldman Sachs has selected BDC Capital as it’s first-ever, state-wide partner to deliver the financing component of this program to Rhode Island based small businesses. Goldman Sachs 10,000 Small Businesses is a public-private partnership designed to unlock the growth and job-creation potential of small business owners.