For referral partners
Send them because they’re about to make a significant financial decision that could cost them if they get it wrong.
We’re 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. Which means when you refer a client, nobody is selling them anything. They get an objective, banker’s-eye review of the whole business and the right next decision.
When to refer
Your client is about to take on debt, restructure it, or sign a personal guarantee — and the tax picture is only half the story.
You keep the books and the tax strategy. We review the debt, the banking, and the credit the way an underwriter would — that’s where RivenWay comes in.
You’ve built the forecast, but the client’s capital access can’t support the plan — or their existing debt structure is working against it.
You own the strategy. We make the business bankable enough to fund it — that’s where RivenWay comes in.
You want to say yes, but the file isn’t there yet — credit profile, structure, or guarantees are in the way.
We prepare owners to be the borrower you can approve, and we send them back to you — that’s where RivenWay comes in.
Your client is negotiating a purchase, a partnership, or a workout, and the financing terms could quietly undo the deal you structured.
You protect the legal position. We catch the clauses and structures that cost owners money — that’s where RivenWay comes in.
Your client is ready to grow, but every conversation keeps circling back to cash, debt stress, or a bank that keeps saying no.
You build the owner. We build the financial foundation under them — that’s where RivenWay comes in.
What a referral can mean
Element Roofing · Indianapolis · Roofing · $2.5M
Jeremy had borrowed $151,000 and owed $190,000 on an MCA. He decided to get out for good instead of stacking another one.
“last ditch desperation effort, didn’t really have any other options.”
One call to see whether a review is the right next step for them — before the decision, not after.
Book a call