RELFI, INC is a business funding platform. We work across SBA lending, commercial real estate, asset-based facilities and revenue-based capital — then match your situation to the structure and the lender that actually fit it. Repayment, timing and cost are spelled out from day one.
Who we are
RELFI, INC is a business funding platform based on Challenger Road in Ridgefield Park, New Jersey. We work across four distinct capital types and match businesses to the structure and the lender that suit their situation — rather than selling whichever product we happen to hold.
That distinction matters more than it sounds. A firm that only writes one kind of deal will find a way to make your situation fit it, because that is the only thing it can do. A business that needed an SBA loan and was sold a revenue-based advance will feel the difference for years.
Our approach is modular by design: assess once, structure deliberately, and move at the speed the deal genuinely allows. Repayment, timing and cost are set out from the first conversation, not revealed at signing.
Speed matters. But the wrong capital, delivered quickly, is still the wrong capital.
SBA, CRE, asset-based and revenue-based
Repayment, timing and cost stated from day one
Your situation reviewed before any product is proposed
Bergen County, minutes from Manhattan
Capital types
These four instruments differ enormously in cost, speed and what they demand of you. Here is the plain comparison, including where each one is the wrong choice.
Loans partially guaranteed by the U.S. Small Business Administration, which allows banks to lend on longer terms than they otherwise would. Generally the lowest-cost option available to a small business — and the most paperwork.
Financing secured on commercial property — purchase, refinance or repositioning. The building carries the loan, so terms follow the asset's income and condition more than the operating company's balance sheet.
Borrowing against receivables, inventory or equipment. The facility grows and shrinks with your asset base, which suits businesses whose working capital need moves with their order book.
Funding repaid as a share of revenue, sized against sales rather than collateral. It is the quickest route to money and, by a wide margin, the costliest. Useful for a short, defined need with a clear payoff — and damaging as a substitute for missing margin.
How we work
Business finance has a persistent problem: the fastest money is the most expensive, and the firms selling it rarely present it that way. Costs get quoted as factors, daily debits appear in the fine print, and the borrower discovers the real number after signing.
We take the opposite approach, and not purely on principle — businesses that understood the deal are the ones that repay it and come back for the next one.
Stated in the first conversation, not discovered at signing
We assess first and propose second, in that order
Including when it means waiting longer than you'd like
Take the terms away and compare them. That is the point of them
How it works
What the capital is for, what will repay it, and by when. That framing decides most of the rest.
Which of the four instruments fits — and the honest case for the cheaper, slower one.
The file goes to lenders genuinely active in that structure, presented the way they need to see it.
We stay in the transaction through diligence and documentation until the funds are there.
Client feedback
The application was easier than I expected, and they placed us with a local bank that actually understood our business rather than the first lender that would say yes. I felt looked after the whole way through the process.
I came in wanting fast money and left with an SBA application instead. They walked me through what the quick option would have cost over two years versus waiting a few months. That conversation saved us a considerable amount.
Our need moved with the order book, which most lenders handled badly. An asset-based facility that flexes with receivables was the structure we should have had years ago. Nobody had ever laid the options out side by side before.
FAQ
Get in touch
Tell us what the capital is for, what will repay it, and your timeline. You'll get a straight read on which structure fits — including when the answer is to wait for a cheaper one.