Miami-Based Direct Lender • Established Financial Services
Working capital solutions designed for ambitious businesses.
Flexible funding. Transparent terms. Decision-makers, not middlemen.
Funding Solutions
Every business has a unique financial rhythm. We offer flexible funding products to match yours — from steady growth to rapid expansion.
Access the liquidity you need to seize opportunities, manage operations, and fuel growth — without disrupting your cash flow. Fixed terms, transparent pricing.
Learn MoreFunding that flexes with your business. Repayment aligns with your revenue cycle — stronger months, faster paydown; slower months, natural relief.
Learn MoreAcquire the machinery, technology, or fleet your business needs without draining reserves. Preserve working capital while building long-term assets.
Learn MoreOpening a new location, entering a new market, or scaling operations? We structure capital for growth milestones — from $50,000 to multi-million dollar facilities.
Learn MoreNever lose a bulk-purchase opportunity. Fund inventory cycles, supplier payments, and seasonal stock-ups with capital that arrives before you need it.
Learn MoreConvert outstanding receivables into immediate working capital. Stop waiting 30–90 days for clients to pay. Your earned revenue, available now.
Learn MoreWhy Retiro Holdings
In a market crowded with brokers, aggregators, and algorithm-driven approvals, Retiro Holdings offers something different: a direct relationship with decision-makers who understand your business.
How It Works
Our streamlined process gets you to a decision quickly — so you can focus on your business, not paperwork.
Complete our secure, 5-minute application. Basic business information and 3 months of bank statements is all we need to start.
Our team reviews your application and financial profile. We look at the full picture — not just a credit score.
You'll receive a clear, straightforward funding offer with all terms disclosed. No guesswork, no hidden costs.
Accept your terms and funds are deposited directly into your business account — typically within 24–72 hours of approval.
Tell us about your business. There's no obligation, and getting started takes under 5 minutes.
Start Your Application