Ridgepoint Credit, based in Owensboro, Kentucky, works as a small-business funding broker. It takes requests for working capital, term loans, lines of credit, inventory financing, equipment financing and merchant cash advances by phone and online form, sends them to funding partners whose programs fit, and explains any offers. Partners make the credit decisions.
What Ridgepoint Credit does
Plainly put, Ridgepoint Credit matches your request with funding partners and never funds a request from its own money. Despite the word Credit in its name, it does not lend money or make credit decisions. Its job is to understand what a business needs the money for, prepare a request partners can review, send it to partners whose programs fit, and help the owner compare whatever comes back.
Funding partners make every credit decision and set rates, terms and conditions. Ridgepoint does not promise approval, a rate or a timeline.
The two questions behind every Ridgepoint file
Every request starts with two questions: what will the money buy, and what will repay it. The answers decide the funding shape. A payroll gap, a lift, a season's stock and a second location are different requests, and pushing them all into one product helps nobody.
When offers arrive, Ridgepoint lays out total repayment, payment rhythm, term, fees, collateral and prepayment terms side by side. The four request steps describe the process in full.
Where Ridgepoint is
Post for Ridgepoint Credit goes to 612 Cs-1022, Owensboro, KY 42301; calls go to (270) 364-2505. The service works by phone and online, so owners across Daviess County, KY and the river towns Kentucky and Indiana towns start the same way. Census figures for the county are on the Owensboro, KY page, and contact details are on the contact page.
Funding Ridgepoint leaves to others
Ridgepoint does not arrange personal loans, mortgages, commercial real estate purchases, startup funding, SBA loans or grants, and is not taking requests to buy an existing business at this stage. Trucking fleet requests are also outside the current service.
By Ridgepoint Credit · Updated
