Money in the account by dinner.

We're a broker, not a lender — which means lenders compete for your deal instead of the other way around. One short application, real offers back in hours, funds wired as fast as the same day.

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$10Kup to $5M

Checking your options is free and takes about five minutes.

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capital placed since 2016

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businesses funded

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lenders competing for your deal

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average time to funding, application to wire

How it works

Here's a real Tuesday with Riverbank.

You fill out one short application. We shop it to the lenders most likely to say yes, negotiate, and put the offers side by side in plain numbers. You pick — or walk away. No fee either way.

This is last Tuesday's $120K line of credit for a Houston contractor — start to wire in one business day.

Tue 9:04 AM

Application in — 12 fields and 3 months of bank statements.

Tue 11:30 AM

File placed with 6 lenders who actually fund contractors.

Tue 1:45 PM

3 offers back. We flag the cheapest one and explain the other two.

Tue 4:52 PM

$120,000 wired. Crew paid, materials ordered.

Products

Six ways to fund the work.

Tell us the problem — a dead cooler, a big contract, a slow season — and we'll tell you which of these actually fits.

Term loans

$25K–$5M · 1–10 years

For planned, one-time investments — expansion, buyouts, big purchases. Predictable monthly payment.

Revenue-based advances

$10K–$1M · 3–18 months

The fastest option when revenue is strong but paperwork is thin. Payments flex with sales.

Lines of credit

$25K–$500K · revolving

For uneven cash flow. Draw what you need, pay interest only on what you use, reuse it as you repay.

Equipment financing

$10K–$2M · 2–7 years

Trucks, ovens, machines, medical gear. The asset is the collateral, so approvals are easier.

SBA loans

$50K–$5M · 10–25 years

The lowest rates available — if you can wait 30–90 days and provide full documentation. Often worth it.

Invoice factoring

$20K–$3M · ongoing

For B2B companies waiting 30–90 days on receivables. Get paid now; the factor waits, not you.

We know your margins and your seasons.

Restaurants

Advances and equipment — cooler dies, you reopen Monday.

Trucking

Equipment and factoring — second rig without the wait.

Construction

Lines of credit — bridge invoicing gaps, keep crews on.

Also funding retail, medical and dental practices, and professional services every week.

Will I qualify?

These are typical minimums across our network. Falling short on one doesn't rule you out — different lenders weigh them differently, and matching you to the right one is literally our job.

Time in business6+ months
Monthly revenue$15,000+
Documents3 months of bank statements

Real people, real deadlines

The day the money landed.

"Our walk-in cooler died on a Thursday. Three offers by Monday, money Wednesday. We never closed a single day."
Maria Delgado
Restaurant owner · San Antonio, TX
"Two banks said no because we'd only been running eighteen months. Riverbank found a lender who read our contracts instead of our age."
Dwayne Carter
Trucking company · Memphis, TN
"They told me one offer was too expensive for what I needed and to take a smaller line instead. That's why I came back twice."
Anne Kowalski
Dental practice · Columbus, OH

ISO & broker partners

Send us the deals you can't place.

We co-broker with ISOs, accountants, and commercial loan officers. Transparent splits, fast payouts, and your client stays your client. A dedicated partner desk answers the phone.

Partner with us

50/50

Standard commission split, negotiable on volume

48 hours

Commission payout after funding

White-label

Submission portal for volume partners

Straight answers.

Including the one about how we get paid.

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One application. Offers back the same day.

It takes about five minutes. Checking your options is free and does not affect your credit.

Start your application →

Secure and encrypted. No obligation.