Guide
How to prepare for business funding
The exact docs, metrics, and prep that move applications faster.
Read articleNow funding $25K – $5M
Business funding built for growth
Access capital from $25,000 to $5,000,000 through one streamlined application.
- 24-hour decisions
- No obligation
- Multiple funding options
- Soft pull available
Step 1 / 9
0% complete
What are you looking to finance?
$0M+
Funding Facilitated
0+
Businesses Served
0
Hours to Decision
0+
Funding Partners
Financing Solutions
Capital built around your business
One application unlocks access to multiple funding pathways from $25,000 to $5,000,000.
How it works
From application to capital, in days not months
01
Apply Online
Complete one simple application.
02
Review Options
Evaluate funding solutions from our lending network.
03
Choose Funding
Select the option that best fits your goals.
04
Receive Capital
Funding delivered quickly and securely.
Industries we serve
Capital for every kind of business
Construction
Tailored programs available
Healthcare
Tailored programs available
Restaurants
Tailored programs available
Retail
Tailored programs available
Transportation
Tailored programs available
Manufacturing
Tailored programs available
Professional Services
Tailored programs available
Real Estate Investors
Tailored programs available
Why Riv City Lending
Built for ambitious operators
We combine technology, transparency, and dedicated experts so you can focus on what matters — growing the business.
One Application
Access multiple financing options.
Faster Decisions
Technology-driven underwriting.
Transparent Process
No hidden surprises.
Dedicated Advisors
Real experts when you need them.
Flexible Solutions
Financing tailored to your business.
Funding Calculator
Estimate your range
A simulated preview based on your inputs.
Annual Revenue$1,000,000
Time in Business (years)3 years
Credit Score Range
Desired Funding Amount$250,000
Estimated qualification range
$240,000 – $400,000
Your desired amount fits within range.
Working Capital
Business Line of Credit
SBA Financing
Equipment Financing
This tool provides a preliminary estimate only and is not a loan approval or commitment to lend.
Founders we've funded
What operators say
"Funded a fleet expansion in under a week. The flow felt like opening a Mercury account — fast and absurdly clean."
Marcus Reilly
Crestline Construction · Construction
"An SBA loan we'd been chasing for months closed through Riv in 21 days. Real advisors, no broker theatre."
Priya Shah
Northbank Diagnostics · Healthcare
"Working capital landed in 36 hours. Zero noise. We expanded to a second location two months later."
Jordan Pierce
Bowery & Vine · Restaurants
"Equipment financing on three new trucks without touching cash reserves. Exactly what we needed, exactly when we needed it."
Elena Vasquez
Mesa Freight Co. · Transportation
Resources
Insights for growing businesses
Compare
SBA Loan vs Line of Credit
Two flexible products, two very different ideal fits. Here's how to choose.
Read articleUnderwriting
What lenders look for in 2026
Inside what underwriters score on, ranked by impact.
Read articleFAQ
Frequently asked
Many programs deliver capital within 24–72 hours of approval. SBA financing can take longer due to underwriting requirements.
Initial qualification uses a soft inquiry that does not impact your credit. Final underwriting may require a hard pull with your consent.
Most programs require 3–6 months of business bank statements. SBA and real estate financing may require tax returns and financial statements.
We work across construction, healthcare, restaurants, retail, transportation, manufacturing, professional services, and real estate.
Capital ranges from $25,000 to $5,000,000 depending on revenue, time in business, credit profile, and program.
Ready to grow?
Discover financing solutions designed for ambitious businesses.