RFR Capital LLC

RFR Capital LLC RFR Capital LLC is in the industry of growing small businesses and helping them obtain the working capital they need to propel to the next level.

Founded in 2016 and headquartered in Yonkers, New York, RFR Capital is a small business financing company built on one simple belief — every business deserves fast, reliable access to working capital without the hassle. We offer unique working capital solutions for any small or medium size business. With over 23 years in the corporate banking industry, RFR Capital knows how to get cash into your c

ompany the most cost effective and efficient way possible. Each business is different but they all have the same challenges…MONEY! We offer our clients a relationship driven solution for all of their funding needs. At RFR Capital, we focus on building long term relationships with our clients so they know exactly where to turn when in need of a cash injection, no matter the situation. We do this by building your trust through proving our reliability, attentiveness and industry expertise in every interaction. Unlike burdensome bank loans that take months to complete due to frustrating documentation and tiresome hoops to go through, we pride ourselves in delivering timely money in one to three business days after receiving the completed application and bank statements.

Catering runs backwards from most businesses: you buy the food, book the rentals, and staff the event long before the cl...
07/31/2026

Catering runs backwards from most businesses: you buy the food, book the rentals, and staff the event long before the client's final payment lands. 🍽️
A deposit rarely covers everything, and the biggest opportunities — weddings, corporate events, peak-season bookings — are also the most expensive to pull off up front. Say yes to two large events in the same week and your costs stack before either check clears.
Working capital lets you say yes with confidence. RFR Capital helps catering and event businesses cover food, rentals, and staffing up front, take on more bookings at once, and invest in equipment or a second van — with repayment that flexes with your revenue.
Tip: for every booking, map your cash-out dates against your payment-in dates. Funding that gap lets you scale your calendar instead of capping it.
👉 See what your business may qualify for: apply.rfrcapital.com
📞 (800) 829-7113
All funding subject to approval.

Staffing might have the toughest cash-flow math of any small business: you pay your workers every week, but your clients...
07/30/2026

Staffing might have the toughest cash-flow math of any small business: you pay your workers every week, but your clients pay you on net-30, net-45, sometimes net-60. 👥
That means the more people you place, the more payroll you're floating before a single client invoice clears. Success actually widens the gap — a big new contract can strain your cash exactly when you should be celebrating it.
Working capital is built for this. RFR Capital helps staffing agencies cover payroll while receivables age, take on more placements at once, and grow without constantly running up against a cash ceiling — with repayment tied to your revenue.
Tip: know your payroll-to-collection gap in days. That number tells you how much working capital you need to grow without slowing placements down.
👉 See what your agency may qualify for: apply.rfrcapital.com
📞 (800) 829-7113
All funding subject to approval.

For a bar, a handful of great weekends can carry a whole month — and a couple of slow ones can undo it. 🍸Nightlife reven...
07/29/2026

For a bar, a handful of great weekends can carry a whole month — and a couple of slow ones can undo it. 🍸
Nightlife revenue is concentrated and unpredictable: Friday and Saturday do the heavy lifting, holidays and events spike traffic, and the quiet midweek stretches still come with full rent and payroll. On top of that, the things that pull a crowd — a fresh look, a standout drink menu, a big event — all take money up front.
Working capital smooths the swings and funds the moments that matter. RFR Capital helps bars and nightlife venues stock inventory for busy weekends, renovate or refresh the space, and put on events that pack the house — with repayment that flexes with your revenue.
Tip: plan your biggest investments around your event calendar, so new energy in the space lands right when foot traffic peaks.
👉 See what your venue may qualify for: apply.rfrcapital.com
📞 (800) 829-7113
All funding subject to approval.

Pet owners aren't cutting back on their animals' care — but delivering that care keeps getting more capital-intensive. 🐾...
07/28/2026

Pet owners aren't cutting back on their animals' care — but delivering that care keeps getting more capital-intensive. 🐾
Modern veterinary medicine runs on expensive equipment: digital imaging, in-house lab machines, surgical and dental suites. Add rising demand, a national shortage of vets and techs, and the cost of space to see more patients, and growth takes real up-front investment that day-to-day revenue rarely covers on its own.
Working capital helps you invest without draining the practice. RFR Capital helps veterinary clinics add imaging or surgical equipment, expand exam and boarding space, and hire and retain the staff patients depend on — with flexible repayment tied to your revenue.
Tip: when you weigh new equipment, look at the added cases it lets you handle in-house instead of referring out — that's often where it pays for itself.
👉 See what your clinic may qualify for: apply.rfrcapital.com
📞 (800) 829-7113
All funding subject to approval.

Before taking on any business funding, ask yourself one question:"How much can I comfortably pay back?" — not "how much ...
07/27/2026

Before taking on any business funding, ask yourself one question:

"How much can I comfortably pay back?" — not "how much can I get?"

They're rarely the same number. And the gap between them is where a lot of businesses get into trouble — a payment that looked fine on signing day starts squeezing cash flow a few months in.

We put together a simple way to figure out what your business can actually handle, before you borrow a dollar. 👇

https://insights.rfrcapital.com/bank-statements-lenders-look-at/

On a used-car lot, every vehicle out there is cash sitting still — bought, reconditioned, and insured, but earning nothi...
07/27/2026

On a used-car lot, every vehicle out there is cash sitting still — bought, reconditioned, and insured, but earning nothing until it drives off. 🚗
That's the core challenge of the business: your money is tied up in inventory, and the lot only makes money when cars turn. Buy smart at auction and a unit sells in two weeks; guess wrong and it sits for 90 days racking up holding costs — while the next auction is already here.
Working capital keeps your inventory moving. RFR Capital helps independent and used-car dealers buy inventory at auction, recondition cars for the lot, and cover holding costs between sales — with repayment tied to your revenue, so it flexes with how fast you turn units.
Tip: track your average days-to-sale by vehicle type. Funding the units that turn fastest keeps your cash working instead of aging on the lot.
👉 See what your dealership may qualify for: apply.rfrcapital.com
📞 (800) 829-7113
All funding subject to approval.

What an underwriter actually looks at in your bank statements, in plain terms 👇1️⃣ Average daily balance — not your endi...
07/24/2026

What an underwriter actually looks at in your bank statements, in plain terms 👇

1️⃣ Average daily balance — not your ending balance, but what you keep across the whole month.
2️⃣ Deposit consistency — steady income beats one big month carrying three slow ones.
3️⃣ Negative days — a few over three months is fine; a lot in one month is the fastest route to a "no."
4️⃣ Existing positions — payments to other funders show up whether you mention them or not.

The takeaway: a clean, complete set of statements is half the battle.

Convenience stores and gas stations move a lot of money — but most of it is already spoken for. ⛽Margins are thin, inven...
07/24/2026

Convenience stores and gas stations move a lot of money — but most of it is already spoken for. ⛽
Margins are thin, inventory turns fast, and fuel has to be paid for up front before a single gallon is sold. Add in coolers, pumps, and POS systems that wear out, and cash can get tight even when the store is busy.
Working capital gives you room to operate and improve. RFR Capital helps store owners restock inventory and cover fuel purchases, replace aging equipment, and remodel to bring in more traffic — with repayment set as a percentage of your sales, so it moves with your daily volume.
Tip: small upgrades — better lighting, a smarter cooler layout, updated signage — often pay for themselves in higher basket size and foot traffic.
👉 See what your store may qualify for: apply.rfrcapital.com
📞 (800) 829-7113
All funding subject to approval.

Commercial cleaning has a cash-flow quirk that catches a lot of owners off guard: your clients pay on net-30 or net-60 t...
07/23/2026

Commercial cleaning has a cash-flow quirk that catches a lot of owners off guard: your clients pay on net-30 or net-60 terms, but your crew gets paid every week. 🧹
That gap widens exactly when things are going well. Land a big new contract and you have to buy supplies, maybe add equipment, and staff up — all before the first invoice is even paid. Growth itself becomes the challenge.
Working capital closes that gap. RFR Capital helps cleaning and janitorial companies make weekly payroll while invoices age, buy the equipment and supplies a new contract requires, and confidently take on larger commercial accounts — with repayment tied to your revenue.
Tip: when you bid a new contract, budget for the 30–60 days of payroll you'll float before payment starts.
👉 See what your business may qualify for: apply.rfrcapital.com
📞 (800) 829-7113
All funding subject to approval.

💡 A common myth: "My credit score decides whether I get funded."Reality: in a lot of business financing, your credit sco...
07/23/2026

💡 A common myth: "My credit score decides whether I get funded."

Reality: in a lot of business financing, your credit score matters less than you'd think. Underwriters spend most of their time in your business bank statements — average daily balance, how consistent your deposits are, how many negative days you've had.

Here's why that's good news: your statements reflect the last 3–4 months, which means they're something you can improve. A rough patch a year ago doesn't define your file the way a credit score might.

If you've been holding back because of your credit, it may be worth a conversation. 📞 (800) 829-7113

Address

1730 Central Park Avenue Suite. 3F1
Yonkers, NY
10710

Opening Hours

Monday 9am - 6pm
Tuesday 9am - 6pm
Wednesday 9am - 6pm
Thursday 9am - 6pm
Friday 9am - 6pm
Saturday 10am - 4pm

Telephone

+18008297113

Website

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