We combine the depth of commercial banking with the speed and flexibility of modern fintech — so your business gets capital fast.
Founded in 2016 and headquartered in Yonkers, New York, RFR Capital was built with a single purpose: giving small businesses across the United States access to the kind of fast, practical financing that traditional banks simply don't offer.
Our founders — both Westchester County natives — spent over 20 years inside commercial banking before building RFR Capital. That background means we understand both sides of the table: what lenders look for, how to structure deals creatively, and how to get them closed fast.
Based in Yonkers, NY and serving businesses in all 50 states, our goal is simple: to become the financing partner your business calls first — not as a last resort, but because working with us is genuinely faster, simpler, and more flexible than any alternative.
A family-run business. The owners speak directly with every client.
Born and raised in Yonkers, NY, Robert holds a finance degree and brings over 20 years of commercial banking experience to every client relationship. He founded RFR Capital with a mission to give small businesses the fast, flexible access to capital that traditional banks refuse to provide.
Ryan brings deep expertise in alternative lending and client relationship management. As President of RFR Capital, he oversees day-to-day operations and works directly with clients to structure financing solutions tailored to their specific situation — regardless of industry, credit profile, or revenue level.
| Category | RFR Capital | Traditional Bank |
|---|---|---|
| Credit Score Required | 500+ on most products — all profiles considered | 700+ typically required |
| Time to Funding | Same day if approved before noon — 24hrs max | 3 weeks to 6 months |
| Funding Range | $10,000 – $2,000,000 | Often $250K+ minimums |
| Documentation | 3 months bank statements + application | Tax returns, financials, business plan & more |
| Repayment Terms | Flexible — daily, weekly, or monthly options | Fixed monthly payments only |
| Collateral Required | Not required on most products | Often required |
| Product Range | 8+ products across all business needs | 3–4 standardized products |
| Application Time | 5 minutes online | Multiple in-person meetings |
Based in Yonkers, NY — funding businesses from New York to California and everywhere in between.
Apply for funding now or contact our team with any questions.