Funding from $5K to $5M

Smart financing for growing businesses

From term loans to lines of credit, SBA programs to equipment financing — we help you compare the right options and get funded fast, with a real partner in your corner.

No cost to apply
Won't affect your credit
Decisions in 24 hours
Your funding estimate Pre-qualified
$250,000
Working capital · 12-month term
Approval likelihoodHigh
Speed to funding1–3 days
Joined by 12,000+ U.S. business owners
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Funded to businesses
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Businesses served
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Loan products
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Loan Products

Financing built around how you operate

Every business is different. We help you match to the product that fits your cash flow, timeline, and goals — not a one-size-fits-all loan.

Term Loans

A lump sum repaid over a fixed term at predictable rates — ideal for expansion, hiring, or large one-time investments.

Amounts$25K–$5M
Terms1–10 yrs

Business Line of Credit

Flexible, revolving capital you draw on as needed and only pay interest on what you use. Perfect for managing cash flow gaps.

Limits$10K–$500K
DrawRevolving

SBA Loans

Government-backed financing with some of the lowest rates and longest terms available — for businesses ready to plan ahead.

AmountsUp to $5M
TermsUp to 25 yrs

Equipment Financing

Fund the machinery, vehicles, or technology your business runs on — with the equipment itself serving as collateral.

CoverageUp to 100%
Terms2–7 yrs

Working Capital

Short-term funding to cover payroll, inventory, or seasonal swings — fast, with simple qualification and same-week funding.

Amounts$5K–$500K
Funding1–3 days

Merchant Cash Advance

Advance against future sales with flexible, revenue-based repayment that flexes with your daily receipts. Minimal paperwork.

Amounts$10K–$2M
Repay% of sales
How It Works

Three simple steps to funding

No mountains of paperwork, no waiting weeks for an answer. Here's how quickly you can go from application to funds in your account.

1

Apply in minutes

Tell us a little about your business in a short, secure application. It takes about five minutes and won't affect your credit score.

2

Review your offers

We match you with the financing options that fit your needs, then walk you through the terms so you can choose with confidence.

3

Get funded fast

Accept your offer and funds can be deposited into your business account in as little as one to three business days.

Why Ridge Bay Capital

A lending partner, not just a lender

Options, not pressure

We present the financing that genuinely fits your business and explain the trade-offs — so the decision is always yours.

Simple qualification

If you've been in business at least six months and have steady revenue, there's a strong chance we can help — even with imperfect credit.

Speed when it counts

A streamlined process and real underwriters mean fast answers and funding — often within a few business days.

A real person in your corner

You'll work with a dedicated funding advisor who knows your business by name, not just an account number.

Do you qualify?

Most businesses that meet these basics can get approved.

Time in business6+ months
Monthly revenue$10,000+
Credit score550+
Business typeMost industries
Cost to check$0
See if you qualify
FAQ

Questions, answered

How much can my business borrow?

Funding ranges from $5,000 up to $5 million depending on the product, your revenue, and time in business. Most small businesses qualify somewhere between $25,000 and $500,000. The fastest way to see your range is to apply — it's free and takes about five minutes.

Will applying affect my credit score?

No. Submitting your application uses a soft inquiry to review your options, which does not impact your credit score. A hard inquiry only occurs later if you choose to move forward with a specific offer, and we'll always tell you before that happens.

How fast can I get funded?

Many applicants receive a decision within 24 hours, and once you accept an offer, funds can reach your business account in as little as one to three business days. SBA and larger term loans take longer due to additional underwriting.

What documents do I need?

For most products, all we need to start is a completed application and your three most recent business bank statements. Larger or SBA loans may require tax returns and financial statements, and your advisor will let you know exactly what's needed.

What if my credit isn't perfect?

We work with a wide range of credit profiles. Because we look at the overall health of your business — including revenue and cash flow, not just your score — many owners with less-than-perfect credit still qualify for competitive financing.

Is there any cost to apply?

None. Applying and reviewing your options is completely free with no obligation. You only have costs if you accept an offer and move forward, and all terms are disclosed clearly before you sign anything.

Apply Now

Apply in about five minutes

Fill out the secure form below and one of our funding advisors will review your application. Most businesses receive a decision the same day.

🔒 No cost, no obligation — and submitting won't affect your credit score.
Get In Touch

Have a question? Let's talk.

Not ready to apply yet? Send us a message and a member of our team will get back to you within one business day.

Email
info@ridgebaycapital.com
Phone
(800) 000-0000
Hours
Mon–Fri, 9am–6pm ET
🔒 We'll never share your information with third parties.