Capital that flows with your ambition

Qualify for up to $500,000 today. 100% unsecured loans from major banks and credit unions. No collateral required, startup friendly, no industry restrictions. Same day pre-approval available, with funding in 2-3 weeks.

100%
Unsecured
2-3wks
To Funding
$500k
Max Loan Amount
Funding Solutions

100% Unsecured Funding

Loans from major banks and credit unions at bank rates. No collateral, time in business, or business revenue requirements. These are not MCA loans.

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5 or 7 Year Term Loans

Unsecured term loans with fixed monthly payments. No assets or collateral required, with full liquidity immediately available.

  • Rates from 9-15% (based on credit strength)
  • No minimum length of time in business
  • Fixed monthly payment
  • No upfront fees or down payment
  • Full liquidity immediately
  • Funding in 7-15 business days
  • No assets or collateral required
  • No prepayment penalty
Requirements:
  • 680+ Personal Credit scores in all 3 bureaus
  • 2 years personal tax returns showing $50,000 or more of taxable income

Business Credit Card Program

Build business credit with cards that report only to the business, not your personal credit.

  • 0% Interest for 6-12 months
  • No minimum length of time in business
  • Stated income
  • No upfront fees
  • Reports only to the business
Requirements:
  • 700+ Personal Credit Scores on all 3 bureaus
  • Established Business Entity

The Rivora Advantage

Getting funded shouldn't be complicated. We work with major banks and credit unions to bring you financing options with no time in business requirements, no revenue minimums, and no collateral—so you can focus on building your business.

01

Built for Startups & New Ventures

No minimum time in business required. Whether you launched yesterday or years ago, your business history won't hold you back from getting funded.

02

Funding in 7-15 Business Days

Move fast when opportunity strikes. From approval to funds in your account in as little as one to two weeks, with fixed monthly payments and no prepayment penalties.

03

Full Liquidity, Immediately

Access your entire loan amount right away. No holdbacks, no reserves—complete access to your capital from day one.

04

Zero Upfront Costs

No application fees, no upfront costs, no down payment required. Fees are only collected after successful funding.

Rivora

Funding at a Glance

$500k
Max Loan
9-15%
APR
5-7yr
Terms
680+
Credit Score
7-15
Days to Fund
$50k
Min Income
No Collateral Required
No Prepayment Penalty
Fixed Monthly Payments
No Time in Business Req.

Get Funded in Four Steps

Our streamlined process gets you from application to funding faster than traditional lenders.

1

Submit Documents

Tri-merge credit report (680+ FICO 8) and last 2 years of 1040s showing $50k+ AGI

2

Same Day Pre-Approval

Documents are reviewed and pre-qualification is provided the same day

3

Bank Matching

Get matched with major banks and credit unions for the best rates

4

Get Funded

Receive your funds in 2-3 weeks directly to your account

Ready to fuel your business growth?

Get started with a free consultation. No obligation, no impact to your credit score.

Start Your Application