Capital for businesses ready to move.

Richardson Capital is a private lender. We fund working capital, equipment, real estate and growth for owners who need a straight answer and a lender who understands their numbers.

Apply for funding Estimate a payment

Financing built around how your business actually runs

Every deal is underwritten on its own merits. Tell us what the money is for, and we'll structure the amount, term and repayment around your cash flow.

Working capital loans

A lump sum to cover payroll, inventory, a large order or a seasonal gap, repaid on a fixed schedule so you always know what's due.

Good forBridging slow months, stocking up, taking on a big contract

Equipment financing

Buy the trucks, machinery or technology your business runs on. The equipment itself typically secures the loan, which keeps terms reasonable.

Good forVehicles, heavy equipment, production and medical equipment

Real estate bridge loans

Short-term financing secured by commercial or investment property, for when timing matters more than waiting on a bank.

Good forAcquisitions, renovations, closing before permanent financing

Business lines of credit

Draw what you need, when you need it, and pay interest only on what you use. Repay and draw again as your cash cycle turns.

Good forOngoing flexibility, uneven receivables, unexpected costs

Receivables financing

Turn unpaid invoices into cash now instead of waiting 30, 60 or 90 days for customers to pay.

Good forB2B companies with reliable customers and slow payment terms

Growth and acquisition capital

Funding for opening a new location, buying out a partner or acquiring a competitor, structured around the business you're building.

Good forExpansion, buyouts, business acquisitions

From application to funding

No call centers and no hand-offs. You'll work directly with the person making the lending decision from your first conversation to closing.

  1. Apply online

    Share the basics about your business and what you need. It takes about 10 minutes.

  2. Talk it through

    We'll reach out to understand the deal and ask for anything else we need, usually bank statements and recent financials.

  3. Review your terms

    If it's a fit, you'll get a written term sheet with the amount, rate, term and payment laid out plainly.

  4. Get funded

    Sign the loan documents and the funds are sent to your business account.

Estimate your monthly payment

Move the sliders to see what a fixed-rate, fully amortizing loan could cost each month. Your actual rate and term depend on your business and the deal.

Estimated monthly payment

$3,321

Total of payments
$119,572
Total interest
$19,572

For illustration only. This is not an offer to lend or a quote of terms.

Apply for this amount

Who we work with

  • Established businesses with a track record of revenue, generally at least a year in operation.
  • Owners with a clear plan for the funds and how they'll be repaid.
  • Real estate investors who need fast, asset-backed financing on commercial or investment property.
  • Businesses a bank turned down or couldn't move quickly enough for.

Banks lend on checklists. We lend on the full picture: your cash flow, your collateral, your experience and where the business is headed.

We only lend for business purposes. We don't offer personal or consumer loans.

Common questions

How much can I borrow?

It depends on your revenue, cash flow, collateral and what the funds are for. Tell us what you need on the application and we'll let you know what we can do.

Does applying affect my credit?

Submitting the application doesn't pull your credit. If we move forward, we'll ask for your permission before running a credit check.

What documents will I need?

Usually your most recent business bank statements, your latest business tax return or financial statements, and details on any collateral. For real estate deals, we'll also ask about the property.

How quickly can I get funded?

Because the lending decision is made in-house, we can often move much faster than a bank. Timing depends mainly on how quickly we receive your documents and, for secured loans, any appraisal or title work.

Do I need collateral?

Not always. Some loans are secured by equipment, real estate or receivables, and others are based mainly on cash flow. A personal guarantee from the owners is typically required.

Are there prepayment penalties?

Prepayment terms are spelled out in your term sheet before you sign anything, so there are no surprises.

Tell us what you're building.

The application is free, takes about 10 minutes and doesn't commit you to anything.

Start your application