Ridgewood Capital USA arranges business lines of credit from $100,000, secured lines from $5 million, and private credit facilities from $10 million and up.
Three tiers of credit, sized to where your business is today — from a working line to an institutional-scale facility.
A revolving line of credit for business working capital and day-to-day operations.
| Line size | $100,000 – $5,000,000 |
| Structure | Revolving |
| Use of funds | Working capital |
| Underwriting | Revenue & credit profile |
Larger lines from $5 million, sized up to a percentage of gross annual revenue, with an interest-secured structure.
| Minimum line | $5,000,000 |
| Line size | Based on gross annual revenue |
| Term | 3–5 years |
| Annual rate | 7% – 12.5% |
| Security | Interest-secured |
Customizable facilities for larger businesses — acquisitions, equipment, and expansion — structured around how the company operates, not a bank's template.
| Minimum facility | $10,000,000 |
| Structure | Revolving or term |
| Collateral | Asset-based |
| Underwriting | Company financials & collateral |
Our clients range from growing businesses that need their first meaningful working line to manufacturers, construction firms, and industrial operators running facilities in the tens of millions. We fund some transactions directly and, more often, structure and arrange facilities through the lending partners we work with — over $1 billion in completed transactions to date. Whatever the size, the underwriting is the same: real revenue, real collateral, and a structure the business can actually carry.
Tell us about your company and what you're looking to finance. We'll come back to you with a straight answer on whether it's something we can do.