Built for businesses
banks leave behind
RBF Capital was founded on a simple belief: small businesses deserve fast, transparent access to capital — without the runaround. Since 2009, we've put over $2 billion to work for entrepreneurs across America.
We exist to give small businesses a real shot
Traditional banks move slowly, demand perfect credit, and often say no to the businesses that need capital most. Meanwhile, predatory lenders offer fast money with terms that trap business owners in a cycle of debt.
RBF Capital was built to fill that gap. We combine the speed and flexibility of alternative lending with the integrity and structure of a bank — so you get capital that actually helps your business grow.
- Honest terms explained in plain language
- Advisors who act in your best interest
- Funding decisions based on your business, not just your credit score
- Ongoing support after your loan closes
"I started RBF because I watched too many good businesses fail — not because their ideas were bad, but because they couldn't get capital fast enough. That's a problem we can fix."
Our core values
Transparency First
No hidden fees, no bait-and-switch. Every term is explained clearly before you sign anything.
Advisor-Led Process
You work with a dedicated advisor from first call to funded — not a call center or a chatbot.
Right Fit, Not Just Any Deal
We match you with the loan that actually fits your business, even if that means a smaller deal for us.
Long-Term Relationships
Most of our clients come back for their next round of capital. That only happens when we do right by them.
15 years of growth
RBF Capital founded in Newport Beach, CA with a focus on underserved small businesses.
Launched MCA debt refinance program — one of the first lenders to offer structured relief from predatory MCA debt.
Became an approved SBA 7(a) lender, expanding access to government-backed capital for clients nationwide.
Surpassed $500M in total capital deployed and expanded our Newport Beach headquarters.
Crossed $1B in cumulative funding, serving businesses in all 50 states.
Launched same-day pre-approval technology, cutting average time-to-decision to under 4 hours.
What sets us apart from other lenders
By the numbers
Ready to work with a lender
who's actually on your side?
Apply in minutes. No hard credit pull. A real advisor will reach out within one business day.