Working capital, equipment financing and expansion funding for established businesses — matched to your revenue, not just your balance sheet.
From bridging seasonal cash flow gaps to financing new equipment, Ruease connects business owners with lenders who evaluate the full picture — revenue trends, time in business and growth plans — not just a credit score.
| Profile | Time in Business | Representative APR* |
|---|---|---|
| Established | 5+ years | 11.99% – 16.99% |
| Growing | 2 – 5 years | 17.00% – 22.99% |
| Early-Stage | 1 – 2 years | 23.00% – 27.99% |
| New | Under 1 year* | 28.00% – 29.99% |
*Businesses under one year old may qualify through select partner lenders with additional documentation. Rates shown are illustrative and not guaranteed.
Working capital, inventory purchases, equipment, payroll bridging, marketing or expansion into new locations are all common, lender-approved uses.
Some products are unsecured, while larger lines of credit may require a blanket lien on business assets or a personal guarantee. Your advisor will outline exactly what each offer requires.
Most lenders review the promoter's personal CIBIL score during underwriting, and a personal guarantee is common for smaller businesses. On-time payments are typically reported to business credit bureaus, not personal ones.