Jeremy Rytych
Element Roofing · Indianapolis · Roofing · $2.5M
- Replaced the MCA with a $350,000 SBA loan at 9.9%
- Permanently removed the need for merchant cash advances
“last ditch desperation effort, didn’t really have any other options.”
You didn’t wake up wanting to become an expert in lending.
You started a business. Then came credit cards. Equipment loans. Banks. Personal guarantees. Merchant cash advances. Three different advisors all telling you something different.
Now you’re profitable… but somehow you’re carrying more stress than ever.
That’s why RivenWay exists.
We sit on your side of the table, review the full picture, and help you make better financial decisions before those decisions become expensive mistakes.
RivenWay is a capital readiness partner for owners in the trades and home services. Not a lender. Not a broker. We don’t get paid by lenders — we’re paid by the owners we serve. That’s what lets us sit on your side of the table and tell the truth.
Compass Review
Every engagement starts with clarity.
Before we recommend anything, we review your business the same way a banker or underwriter would:
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Cash flow
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Debt structure
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Banking relationships
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Credit profile
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Personal guarantees
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Capital readiness
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Hidden risks
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Missed opportunities
No guessing. No selling. Just an objective assessment of where you are today and the best path forward.
Learn about Compass Review →Who we are
On your side of the table.
We don’t get paid by lenders. That’s the whole point.
See the full picture
Before anything else, we look at the whole business the way a banker would. No guessing, no selling.
Clean up what’s broken
Expensive debt, misplaced personal guarantees, structures working against you. We fix the foundation first.
Build what’s missing
Business credit, banking relationships, and access to capital that grows with the business.
Proof
Owners who found the way forward.
Justin Wolf
Wolf’s Heating & Air · Warner, OK · HVAC
- SBA loan funded
- $250K equipment line approved
- Truck-wrap escalation clause caught before it triggered
- Saved $20K — more than twice the program cost
“Before we started working with you guys I didn’t know half of what we’re talking about. Now I know the questions to ask.”
Scott Callenius
Commercial landscaping · FL · Landscaping · $3.5M
- Business credit score moved from 46 to 80
- $250K bank line at prime + 0% for ten years
- $450K Ford commercial vehicle line below best published rate
Jose
Concrete company · $3.4M revenue
- Monthly debt payments reduced from $29,348 to $3,674
- Personal credit moved from under 600 to 721 in 90 days
- $550K commercial vehicle line approved at 9.75% on EIN only
- First commercial property purchase in progress
What happens after you call
A calm, structured path. No mystery.
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Week 1
We review everything. Banking, debt, business credit, personal credit, cash flow, relationships.
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Week 2
We identify what’s helping you and what’s quietly costing you money.
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Week 3
We build the roadmap. Not twenty decisions. Not five. The right next decision.
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Months ahead
As your business becomes more bankable, we help you execute it.
The flagship program
Take the Helm
A hands-on, done-with-you credit building and lending guidance engagement. Not a course. Not a generic package. We work alongside you until the business is whole — the work is done when you don’t need us anymore.
Explore Take the Helm →See your whole picture. Then decide.
One call. An objective review of where you are today and the right next decision.
Book a call