Fuel Your Ambition.
Fund Your Business.
RidgeStone Capital provides fast, flexible working capital and equipment loans to ambitious business owners. No collateral needed. All credit considered. Fast approvals. Real people.
Industries We Serve
Every industry has unique capital cycles. We understand your business model. From Construction, Healthcare, Restaurants, Retail, Manufacturing, and Transportation — and many more.
Built By Business Owners,
For Business Owners
We know first-hand how time-consuming and uncertain the business loan process can be. That's why we created a faster, simpler way to get the capital you need.
Lightning Fast
Traditional banks take weeks. We take hours. Get matched with a dedicated specialist in 1 business day and funded in as little as 24 hours.
No Hidden Fees
Transparency is our core value. No upfront costs, no hidden origination fees. You'll know exactly what your capital costs before you sign.
All Credit Considered
We look at the health of your business, not just a credit score. No collateral needed for most products. From $5k to $25M+.
3 Steps to Funding
Our simple online application is easier than a bank loan. Keep your focus on running your business while we secure your capital.
Apply in 60 Seconds
Fill out our secure online application. It's a soft credit pull only, and you need zero documents to start.
Get Matched
A dedicated funding specialist will call you within 1 business day to discuss your options and build a tailored plan.
Sign & Get Funded
E-sign your documents and receive funds in your business bank account in as little as 24 hours.
Pre-Qualification Criteria
Most businesses qualify if they meet this.
- 6+ Months in Business (or relevant industry experience)
- Consistent Monthly Revenue
- Business Bank Account
- All Credit Profiles Considered
Funding Solutions
We offer a variety of small business funding options — personalized to your situation and forward-looking objectives.
Working Capital
Quick cash injection to bridge gaps, cover payroll, or handle unexpected expenses.
Term Loans
Predictable, fixed-rate loans with extended terms for major growth investments.
Equipment Financing
Purchase new machinery or vehicles using the equipment itself as collateral.
Lines of Credit
Flexible, revolving access to funds. Draw what you need, pay interest only on what you use.
What Our Clients Say
"My husband and I have been working with Bryan and he has been absolutely amazing!! He truly cares and goes out of his way to do everything he can for you, which is very rare these days. We are so happy we made the decision to go with RidgeStone and got connected with someone like Bryan. Would highly recommend him and this business to everyone for your financing needs."
"Matt did a great job keeping us updated throughout the funding process! Very quick and efficient, highly recommend Matt and RidgeStone."
"Thomas works tirelessly to find the right loan for my customers. He is extremely professional, communicative and knowledgeable."
"Highly recommend RidgeStone! Bryan was incredibly helpful and worked quickly and tirelessly to secure financing for my customers. He's extremely responsive and stays in close contact with both me and the customer throughout the entire process. His professionalism and dedication made the experience smooth and efficient."
"We had such a great experience working with Paul Cruzan at RidgeStone Capital. He helped my husband and I finance some big equipment for our new gravel pit business, and honestly made the whole process so easy. He stayed on top of everything, kept things moving quickly, and was always quick to respond when we had questions. We'd absolutely work with him over and over again! Thank you Paul!"
"I'd like to thank everyone at RidgeStone Capital, but especially Zuriel Lopez. He went way above the standard in order to assist me in getting a loan for my company. He made me feel at ease through the process from start to finish. He treated me as a person, not just a client — such a respectable representation of RidgeStone. They should be proud to have him aboard."
"My husband and I have been working with Bryan and he has been absolutely amazing!! He truly cares and goes out of his way to do everything he can for you, which is very rare these days. We are so happy we made the decision to go with RidgeStone and got connected with someone like Bryan. Would highly recommend him and this business to everyone for your financing needs."
"Matt did a great job keeping us updated throughout the funding process! Very quick and efficient, highly recommend Matt and RidgeStone."
"Thomas works tirelessly to find the right loan for my customers. He is extremely professional, communicative and knowledgeable."
Stop Waiting. Start Growing.
Get the capital you need to scale, hire, buy inventory, or bridge gaps. Takes 60 seconds to apply, zero commitment to see your options.