Small Business Financing
Funding options for every business.
Whether you need flexible working capital, equipment financing, or a lump sum for major investments — we match you with the right lenders from our network of 75+ partners.
Our Products
Find the right financing for your business
Each product is designed for different business needs. Compare options and find what fits.
Business Line of Credit
Flexible revolving credit. Only pay interest on what you use, and replenish as you repay.
- Amount
- $5K – $250K
- Term
- 1–2 years
- Min. FICO
- 600+
Business Term Loans
A lump sum with fixed interest, repaid over a set period. Ideal for projects or major investments.
- Amount
- $5K – $500K
- Term
- Up to 5 years
- Min. FICO
- 650+
Equipment Financing
Fund equipment purchases without upfront capital. Covers up to 100% of costs, with the equipment serving as collateral.
- Amount
- Up to 100% of cost
- Term
- Up to 7 years
- Min. FICO
- 600+
Invoice Financing
Turn outstanding invoices into working capital. Get paid now instead of waiting 30, 60, or 90 days.
- Amount
- Up to 90% of invoice
- Speed
- As fast as 24 hr
- Min. FICO
- 600+
Revenue-Based Financing
Fast capital from $5K to $2M in as little as 24 hours. Repaid as a percentage of daily or weekly revenue.
- Amount
- $5K – $2M
- Speed
- 24 hours
- Min. FICO
- 500+
Not sure which is right?
Our business advisors can help you find the right fit based on your business profile and funding needs.
Talk to an advisorAt a Glance
Compare our financing options
Quickly see which product matches your needs.
| Product | Best For | Amount | Speed | Min. FICO | |
|---|---|---|---|---|---|
| Line of Credit | Ongoing cash flow needs | $5K – $250K | 1–2 days | 600+ | Apply → |
| Term Loan | Major projects or investments | $5K – $500K | 2–5 days | 650+ | Apply → |
| Equipment Financing | Buying equipment or vehicles | Up to 100% of cost | 2–7 days | 600+ | Apply → |
| Invoice Financing | Unlocking unpaid invoices | Up to 90% of invoice | 24 hours | 600+ | Apply → |
| Revenue-Based Financing | Fast cash, lower credit OK | $5K – $2M | 24 hours | 500+ | Apply → |
Buying equipment or vehicles
Fast cash, lower credit OK
Why Ridgepeak
The smart way to apply for business financing
One application. Multiple offers. No wasted time. Our algorithm matches your business with the right lenders from our network — so you get competitive options, fast.
Fast decisions
Pre-qualification in minutes, funding as fast as 24 hours after approval.
75+ trusted lenders
One application unlocks competitive offers from our network of vetted partners.
Soft credit pull
Checking eligibility won't impact your credit score — apply risk-free.
Dedicated advisors
Real humans who understand your business and guide you through every step.
Our Process
Our application process is easy
Apply Instantly
Fill out our quick and easy online application. It only takes a few minutes and won't affect your credit score.
Discover Your Options
Receive personalized funding offers, carefully curated to align with your business goals and requirements.
Get Funded
Choose the best funding offer for you and access the capital your business needs in as little as 24 hours.
FAQs
Common questions
General questions about small business financing through Ridgepeak.
Still have questions? Contact us →How do I know which loan product is right for me?
It depends on how you plan to use the funds. A line of credit is ideal for ongoing cash flow and unpredictable needs. Term loans work best for one-time major investments. Equipment financing is purpose-built for equipment purchases. Invoice financing unlocks cash tied up in unpaid invoices. Revenue-based financing is fastest when you need capital quickly and have steady sales. Our advisors can help you pick the right fit.
Will applying affect my credit score?
No — our initial application and pre-qualification uses a soft credit check, which does not affect your credit score. A hard pull may only happen if you formally accept a specific loan offer, depending on the lender and product.
How fast can I get funded?
Funding timelines vary by product. Revenue-based financing and invoice financing can close as fast as 24 hours. Lines of credit typically fund in 1–2 days. Term loans and equipment financing usually fund within 2–7 days once documents are complete.
What are your minimum qualifications?
Most products in our network require at least 1 year in business, $100,000+ in annual revenue, and a personal FICO score of 600+. Revenue-based financing is more flexible — requiring as little as a 500 FICO and 3 months in business. Each product has its own specifics, so check the individual product page for exact requirements.
Does Ridgepeak lend directly, or are you a broker?
Ridgepeak Capital matches you with lenders from our network of 75+ partners. One application unlocks competitive offers from multiple vetted lenders. You review the offers, pick the best fit, and the lender funds you directly. The specific terms, rates, and funding timing are determined by the lender you choose.
Are there any fees to apply?
No. Applying and receiving offers through Ridgepeak is free. Specific loan products may have origination fees or other costs depending on the lender — these will be disclosed upfront in your offer, so you can compare and choose with full transparency.
Ready to find your business funding?
Apply in minutes. No credit impact. Funding can arrive in as little as 24 hours.
Apply NowNeed guidance? Talk to an advisor.
Our team helps businesses find the right financing every day.
Contact Us*Products offered by Ridgepeak Capital and affiliates are business funding products only. Ridgepeak Capital matches borrowers with lenders in our network; actual loan terms, rates, and funding timelines are determined by the participating lender. The ranges mentioned here do not represent pre-qualified offers — actual ranges may be greater or less based on the information provided in your application. Applications are subject to approval. Completing our application and submission to our funding partners will not affect your personal credit score; however, depending on the funding product, accepting an offer may result in a hard inquiry.