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Results-driven financing
Up to $10 million secured by accounts receivable and inventory. Working capital flexibility when conventional lines run short.
$500,000 to $10 million for working capital, equipment, real estate, acquisitions, and debt restructuring. Senior or secondary debt structures.
$1 million to $7 million for growth, acquisitions, and ownership transitions. Subordinated capital without giving up control.
State-backed credit enhancement and loan participations for Rhode Island businesses. Up to $750,000 in RI CAP guarantees and $3 million in SSBCI participations.
More than
just a lender
We are not regulated like a bank, which lets us underwrite to your situation rather than a rigid box. Higher advance rates, longer terms, and creative structures are on the table.
Decisions are made in Providence and across New England by people who know the regional market. No corporate queue, no out-of-state committee.
Collateral shortfalls, uneven earnings, rapid growth, classified loans, workouts. The deals other lenders pass on are often the deals we are built for.
Nearly 40 financial institutions fund RI Capital and many more partner with us on deals. We coordinate with your bank rather than replace it.
Empowering Rhode Island businesses to reach their full potential
“At RI Capital, we are more than a lender. We are a partner invested in your success. For over 70 years, our family of companies has helped Rhode Island and New England businesses bridge their capital gaps with creative solutions and real care for the communities we serve.”
“RI Capital helped us secure the financing we needed when our bank couldn’t make it work. They found a creative structure and moved quickly. We would not have closed without them.”
Driving sustained business growth across Rhode Island
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Revolving credit up to $10 million secured by accounts receivable and inventory.
$500,000 to $10 million for working capital, equipment, real estate, acquisitions, and restructuring.
$1 million to $7 million in subordinated capital for growth, buyouts, and ownership transitions.
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Long-term, fixed-rate financing for owner-occupied real estate and major equipment through our 504 affiliate, CDC New England.
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Cash collateral guarantees up to $750,000 to help banks and credit unions write more small business loans.
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$100,000 to $3 million in loan participations for Rhode Island businesses with fewer than 500 employees.
Frequently asked questions
Our business development officers are a phone call away to guide you through the options.