Lending Services
Corporate and Business Working Capital
Liquidity should arrive when the opportunity does. Rair Capital connects operating businesses to lenders who can approve and fund in days, not quarters.
Overview
Corporate & Business Working Capital
Rair Capital gives operating businesses immediate access to lenders competing to fund working capital. Instead of waiting on a single bank's credit committee, you receive multiple structures side by side and choose the one that fits your cash cycle.
- Loan Amount
- $50,000 to $10,000,000
- Term
- Up to 36 months
- Time to Fund
- 24 to 48 hours
- Use of Funds
- Unrestricted
How a line of credit works
A business line of credit gives you a revolving pool of capital you can draw on as needs arise and repay as revenue comes in — you only pay interest on the balance you actually use. It is the most flexible way to smooth payroll, inventory purchases, tenant improvements and receivable gaps, and it stays in place for future needs once approved.
Products
Six ways to fund your next move
Most businesses combine two or three of these facilities. We'll help you structure the mix.
Line of Credit
Revolving capital you draw and repay on demand, with interest charged only on the outstanding balance.
Term Loan
A fixed amount funded up front and amortized over a defined schedule — ideal for expansion, buildouts and one-time projects.
Business Acquisition Loan
Financing to buy a company, a competitor, or a partner's equity, structured around the cash flow of the combined business.
Unsecured & Non-Dilutive Capital
Growth capital that requires no collateral pledge and no equity give-up, so you keep full ownership of your business.
Equipment Financing
Purchase or refinance machinery, vehicles and production equipment with the asset itself serving as the primary collateral.
Factoring & Purchase Order Financing
Convert outstanding invoices and confirmed purchase orders into immediate cash so you can fulfill orders without waiting on payment terms.
Lending sources
Where business working capital actually comes from
Government-backed programs, receivable finance, equipment lenders and revenue-based funders each solve a different liquidity problem.