Business Financing Solutions
Every business has different capital needs. A restaurant expanding to a second location needs different financing than a trucking company replacing a fleet vehicle. Reil Capital offers seven financing products designed to match how businesses actually use capital — whether you need short-term bridge funding to cover a gap or a long-term SBA loan to fuel growth.
85% approval rate. Funding from $5K to $10M. Most approvals within 24-48 hours.
Our Financing Products
Bridge Financing & Working Capital
Short-term capital to bridge cash flow gaps, cover payroll during slow periods, or fund time-sensitive opportunities. Typical terms: 3-18 months. Best for businesses that need fast access to capital while waiting on receivables, seasonal revenue, or longer-term financing to close.
Small Business Term Loan
Fixed-amount loans with predictable monthly payments over 1-5 years. Use for expansion, renovation, hiring, or any defined investment with a clear ROI. Rates and terms based on your business revenue, time in business, and credit profile.
Business Line of Credit
Revolving credit you draw from as needed and only pay interest on what you use. Ideal for managing cash flow fluctuations, covering unexpected expenses, or taking advantage of bulk purchase discounts. Credit lines from $5K to $500K.
Home Equity Line of Credit (HELOC)
Leverage your home equity to fund your business at lower interest rates than unsecured options. HELOCs offer flexible draw periods and interest-only payment options during the draw phase. Best for established business owners with significant home equity.
Equipment Financing
Purchase or lease equipment with the equipment itself as collateral — no additional assets required. Covers machinery, vehicles, technology, medical devices, restaurant equipment, and construction tools. Terms match the useful life of the equipment, typically 2-7 years.
Invoice Financing
Turn unpaid invoices into immediate working capital. Instead of waiting 30, 60, or 90 days for customers to pay, get up to 90% of the invoice value within 24 hours. You maintain customer relationships — we advance the capital. Particularly effective for B2B businesses with reliable commercial clients.
SBA 7(a) Loans
Government-backed loans through the Small Business Administration offering the lowest rates and longest terms available. Up to $5M with terms up to 25 years for real estate and 10 years for equipment and working capital. Requires more documentation and longer approval times, but delivers the best long-term cost of capital.
How to Choose the Right Financing
Need capital fast (24-48 hours)? Start with bridge financing or a business line of credit.
Buying equipment? Equipment financing uses the equipment as collateral, keeping your other assets free.
Waiting on customer payments? Invoice financing converts receivables to cash without taking on debt.
Want the lowest possible rate? SBA 7(a) loans offer government-backed rates — if you qualify and can wait for the longer approval process.
Not sure which fits? Talk to our team. Most business owners qualify for multiple products. We help you pick the one that matches your timeline, budget, and growth goals.
Basic Requirements
- 6+ months in business
- $250K+ annual revenue
- 500+ FICO score
- U.S.-based business
Requirements vary by product. SBA loans have stricter criteria. Bridge financing is more flexible. Apply in 2 minutes and we'll match you to the best option.
