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Rivers Finance Group Plc

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Rivers Finance Group Plc

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Rivers Leasing is an independent niche leasing and asset financing business based in London, providing finance on all types of asset finance.

Helping businesses thrive

Rivers Finance Group Plc is an independent own book lender, established in 2010 and providing independent business finance and loans with a special focus on supporting SMEs in any sector. Rivers has three things that set it apart: its diverse and innovative team, quick decision-making processes, and personal attention to the individual client and their story. Working with brokers, suppliers and business owners, Rivers has a range of financial products within its portfolio, designed to meet the different needs of SMEs as well as new and small lenders themselves. Through its two main subsidiaries, Rivers Leasing Plc and Rivers Funding Limited, Rivers takes a storybook lending approach with loan options that range from asset finance and block discounting to short- and medium-term business loans designed for sensible cash flow and business growth initiatives. The team of Business Finance Specialists are experienced professionals who aim to understand businesses, business owners and what they want to achieve. As a result, Rivers helps businesses to thrive through straightforward and seamless loan application processes, careful due diligence and timely decision-making for optimum results.

12/10/2026

"Great source of funding for my clients." - a lovely five-star review from Stephen on TrustPilot, showing the value of strong working relationships 💪

05/10/2026

What if your business doesn't need all its funding upfront?

Rivers’ Secured Revolving Credit Facility gives SMEs the flexibility to draw down funding when they need it, repay it and draw down again.

Not only that, but for the first 12 months there are no capital repayments – it's interest-only.

In our latest article, we look at how SMEs can use this flexibility to support growth, manage cash flow and take advantage of opportunities as they arise.

Read the full article: https://www.riversleasing.com/news/how-smes-are-using-rivers-secured-revolving-credit-facility.aspx

28/09/2026

Deal of the month: Helping a small lender to grow from £400 to £4000 loans

Our block discounting service is unique in the market because it's designed to help small and new independent lenders to grow their own book. One great example was a small personal loan lender that has grown from delivering £400 loans to £4000 loans with our support.

We were their first funder and having incubated with us they have since been able to access larger funding lines elsewhere. However, they have chosen to continue to retain our facility and prioritise its use because of the reliable service, personalised process, and short communication lines that Rivers offers.

Having been with us for a number of years, today they continue to thrive and prove the essential value of trust that's been built over time.

21/09/2026

This year, Rivers has been delighted to become an endorsed lender by The Guild of Business Finance Professionals, representing independent business finance intermediaries and brokers throughout the UK.

Being endorsed by The Guild is a privilege for Rivers, not only in and of itself but because we know the calibre of people behind the Guild and its values. We both respect and admire the values and skills that they uphold and embody, and we also share them and strive to personify them as well.

Here you can find out more about the Guild and what they stand for, and why we're thrilled to have their endorsement.

https://www.riversleasing.com/news/proud-to-be-endorsed-by-the-guild-of-business-finance-professionals.aspx

14/09/2026

Did you know, Rivers is proud to be an endorsed lender by The Guild of Business Finance Professionals, representing independent business finance intermediaries and brokers throughout the UK.

The Guild's mission is to support a more open and honest financial market, in which corporate borrowers are clearly signposted towards experienced professional intermediaries who can identify and source appropriate solutions for them, such that a higher degree of trust and respect can exist between all market stakeholders.

Rivers Chairman, Ratan Daryani, says: "At Rivers we have always valued our broker relationships as an essential part of our business, and we continuously strive to be representatives of a responsible, as well as dynamic, industry that proactively helps the UK's SME businesses to thrive. The endorsement from the Guild embodies those ideals and it's our great pleasure to be involved with the team and the institution."

07/09/2026

Designed to give SMEs greater flexibility, Rivers’ Secured Revolving Credit Facility allows businesses to draw down funds as required and access them again as they repay, helping to manage cash flow, fund projects and plan with confidence.

Read our latest article to find out how it works and how it can help businesses thrive.

https://www.riversleasing.com/news/rivers-secured-revolving-credit-facility.aspx

01/09/2026

Finance on standby for a restaurant in a seasonal seaside town

A restaurant came to us looking for a way to support their business on an ongoing basis. Set in a seasonal location that capitalises on the holiday market, they wanted to make sure they could take full advantage of opportunities when they arose, be prepared for peak seasons in advance, and have cash in the bank to optimise quiet periods with small refurbishments.

The evergreen nature of Rivers’ Secured Revolving Credit Facility was the perfect solution, ensuring there was cash ready and waiting to be used as needed. Looking at their needs, we set a cap of £100,000 and security was put in place. Their first draw down came at the start of the summer, when then have accessed £30,000 to get more staff and stock in place for the busier time of year.

Money was in their account within 24 hours, and they began repayments only on the amount they had drawn down, safe in the knowledge that more was readily available if they needed it. It will also rise back up to the maximum available when the initial drawdown is repaid, ready for the next opportunity.

17/08/2026

Did you know?

Rivers continuously looks for way to support SMEs to thrive, whether that's adding to our portfolio of funding solutions or refining them.

With that in mind, we are now offering a secured revolving credit facility, which businesses can draw down in stages, and when they've repaid some of it you can draw back to maximum again. For a lot of businesses it's a very useful tool, useable in a similar way to an overdraft facility but with more intent.

Benefits include:

👉 Ready and reliable access to available cash
👉 Pay for the borrowing that you're actually using
👉 It provides optimum flexibility

Phone 0208 424 8262 to find out more.

03/08/2026

Deal of the month: Optimising capital management for an existing client

At Rivers we value our relationships with our clients and our brokers. Therefore, we believe that providing funding for business is part of a long-term system of support.

That mindset was beautifully illustrated when an existing client came to us looking to borrow money to improve their capital management. They had two previous Rivers' business loans which had both been successfully repaid, and were seeking to borrow £75,000, unsecured over 60 months to consolidate other loans and provide additional funding for sensible cash flow.

The client praised our customer service and felt reassured by the continued relationship with Rivers. We reviewed the business position to make sure it qualified for the funding, which it did, and we were able to provide the full amount requested over the desired term.

31/07/2026

Delighted to have be a finalist in the Kensington, Chelsea & Westminster Business Awards 2026, in the Small Business of the Year category.

Having been a member of the Kensington, Chelsea & Westminster Chamber of Commerce we have found an inspiring community of businesses and business owners, and it's a great privilege to be recognised amongst such prestigious peers.

Address

15 College Road
Harrow
HA11BA

Opening Hours

Monday	9am - 5pm
Tuesday	9am - 5pm
Wednesday	9am - 5pm
Thursday	9am - 5pm
Friday	9am - 5pm

Telephone

0208 424 8262

Website

http://www.riversleasing.com/

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