Funding Solutions

Capital for Every Stage of Your Business

From working capital to equipment acquisition, Retiro Holdings offers a full suite of direct lending products — structured for businesses that are growing, not just surviving.

Working Capital Loans

Fund Operations. Seize Opportunities.

Working capital is the lifeblood of any business. Whether you're covering payroll, managing seasonal fluctuations, or jumping on a time-sensitive opportunity — our working capital loans deliver liquidity when you need it most.

Funding from $50,000 upward
Fixed repayment terms — predictable cash flow planning
No collateral required on qualifying deals
Decisions in as little as 24 hours
No prepayment penalties

Apply for Working Capital

Revenue-Based Financing

Repayment That Moves With Your Revenue.

Revenue-based financing aligns your repayment schedule with your actual business performance. When revenue is strong, you pay faster. During slower periods, payments naturally ease — giving your business room to breathe.

Remittances based on daily or weekly revenue
No fixed monthly payment — adapts to your cash flow
Ideal for seasonal businesses and variable-revenue models
Based on business performance, not just credit score
Fast funding — often within 48 hours of approval

Apply for Revenue-Based Financing

Equipment Financing

Own the Assets That Drive Your Business.

Don't let the cost of critical equipment slow your growth. Our equipment financing program lets you acquire the tools you need — machinery, vehicles, technology, or commercial appliances — while preserving your working capital.

Finance new or used equipment
Equipment serves as collateral — easier approval
Terms up to 60 months
Potential tax advantages (consult your accountant)
Build equity in income-producing assets

Apply for Equipment Financing

Business Expansion Funding

Capital for Your Next Chapter.

Opening a second location, entering a new market, or scaling your team — expansion requires capital structured for growth milestones, not just current needs. We work with you to design a funding facility that supports where you're going, not just where you are.

Structured for multi-phase growth plans
Flexible draw schedules tied to project milestones
Available for real estate, buildout, staffing, or inventory
Direct lender means faster restructuring if plans shift

Apply for Expansion Funding

Inventory & Supply Chain Financing

Never Miss a Bulk-Purchase Opportunity.

Inventory gaps cost sales. Supply chain delays cost relationships. Our inventory financing program ensures you have the capital to meet demand, take advantage of supplier discounts, and keep your shelves stocked — without tying up your operating cash.

Fund seasonal or bulk inventory purchases
Pay supplier invoices on time, every time
Flexible repayment tied to inventory sell-through
Ideal for retail, wholesale, e-commerce, and manufacturing

Apply for Inventory Financing

Invoice Financing

Your Earned Revenue — Available Now.

Stop waiting 30, 60, or 90 days for clients to pay. Invoice financing unlocks the capital trapped in your accounts receivable — converting outstanding invoices into immediate working capital that keeps your operations running without interruption.

Advance up to 90% of invoice face value
Maintain client relationships — discreet process
No long-term commitment required
Approval based on your clients' creditworthiness
Available for B2B invoices across most industries

Apply for Invoice Financing

Qualification Guidelines

Do You Qualify?

We work with established businesses across a wide range of industries and credit profiles. Our underwriting focuses on the health of your business — not just a single metric.

6+ Months in Business

We work with businesses that have a track record — even a short one.

$10,000+ Monthly Revenue

Minimum monthly revenue demonstrates business viability and repayment capacity.

US-Based Business

Your business must be legally registered and operating in the United States.

Start Your Application

Not Sure Which Product Fits?

Contact us and a Retiro Holdings advisor will help you identify the right funding structure for your situation — no obligation.

Talk to an Advisor