Small businesses are the backbone of the American economy — yet traditional banks keep turning them away. Slow approvals, rigid requirements, and mountains of paperwork have left millions of entrepreneurs without the capital they need to grow.
We exist to change that. One business, one deal at a time.
As both a direct funder and a broker with relationships across 50+ top lending partners, Ribit Capital is uniquely positioned to find the strongest possible offer for every business we work with — not just the most convenient one for us.
Ribit Capital was founded by former finance and lending professionals who watched, firsthand, how the traditional banking system repeatedly failed small business owners. They knew there was a better way — and they built it.
Millions of US small businesses with strong cash flow were being rejected by banks for reasons that had nothing to do with their ability to repay — thin credit files, insufficient collateral, or simply not fitting a rigid underwriting box.
Instead of being limited to a single product or risk appetite, we built Ribit Capital to operate as a direct funder and a multi-partner broker. We fund deals in-house for speed, or go to our 50+ network to find the best terms.
Today, we've funded hundreds of millions of dollars to businesses across every industry. With an average funding time of under 24 hours, we've proven that fast doesn't have to mean impersonal.
Every decision we make — from how we structure offers to how we answer the phone — is guided by the same four principles.
Same-day funding is our promise — but never at the expense of finding the right deal. We move fast because we know your time is money.
No hidden fees, no bait-and-switch. We walk every client through every offer so you understand exactly what you're signing.
With access to 50+ lending partners, we have no incentive to push a single product. We compete against ourselves to get you the strongest offer.
We accept credit scores from 500+ and businesses as young as 3 months. Growth capital shouldn't be reserved for the already-established.
There's no shortage of business lenders out there. Here's what makes Ribit Capital genuinely different — not just in how we pitch, but in how we operate.
We don't just broker your deal. We fund in-house when it's best, and shop our 50+ network when competition drives a better rate.
No tax returns or collateral. Just a 5-minute application and 4 months of bank statements. We stripped out the useless paperwork.
Our specialists explain every offer and help you pick the product that fits your business model. You're never just a ticket number.
Renewing your funding is even faster. No full re-application required. Our clients return because the experience is that good.