Asset Based Funding

Empower your financial future with Rios Group’s personalized lending, expert business consulting, and precision-driven tax services.

Asset Based Funding Services

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Real Estate 2nd Mortgage Products

Our Real Estate 2nd Mortgage Products offered through both Home Equity Lines of Credit (HELOC) and Home Equity Loans (HELOAN) provide property owners and investors with efficient access to capital by leveraging existing equity in their real estate holdings.

3

Solar Cash Out Program

Our Solar Panel Cash out Program provides homeowners, investors, and developers with a flexible way to unlock capital from both existing and newly installed solar energy systems. Whether you already have panels in place or are preparing to install a new system, this program allows you to tap into the value of your renewable energy asset to secure fast, accessible funding.

4

Real Estate Cash Out Refinance programs

Our Real Estate Cash-Out Refinance programs allow homeowners and real estate investors to unlock significant liquidity by refinancing their existing mortgage and withdrawing a portion of their built-up equity as cash. This solution replaces the current loan with a new, competitively structured mortgage often at better terms while providing access to capital that can be used for investments, property improvements, business funding, debt consolidation, or portfolio expansion.

5

Roll Over Business Startup (ROBS) 401K

Our Roll Over Business Startup (ROBS) 401(k) program provides entrepreneurs and business owners with a strategic way to access retirement funds without incurring taxes or early withdrawal penalties to start, acquire, or expand a business. By using a compliant rollover structure, this solution transforms qualified retirement assets into investable business capital, allowing clients to launch or scale their ventures with minimal debt and maximum financial control.

7

NI 43-101 Monetization

Our NI 43-101 Monetization program provides commodities owners, mining companies, and resource developers with a specialized pathway to convert verified mineral asset reports into immediate, deployable capital. By leveraging the documented value of an NI 43-101 compliant technical report, this solution allows clients to unlock liquidity for exploration, expansion, equipment acquisition, operational costs, or strategic project development without the need for traditional collateral or lengthy banking processes.

Real Results. Real Teams.

What People Say About Working With Us

A few words from the organizations we’ve supported across strategy, operations, and digital transformation.

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Years of Experience

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Faster Capital Access

Google Rating
4.8

Always worth taking a second to speak with Jimmy. He knows the ins and outs of business and will really change the trajectory of your

Kaipo Mahoney
Colonial Life - Mahoney Agency

Jimmy is AMAZING at figuring out how to help you PERIOD. His compassion and knowledge are what you want as a business owner looking for

Trudi Kayser
LMTO Financial Phoenix, LLC

If you're a proactive, growth-oriented business owner looking to take your company to the next level, Jimmy Rios with Rios Business Advisors is the expert

Elisa Lane
Podworks Studios

Always worth taking the time to speak with Jimmy. He understands how business funding really works and helps you see opportunities you didn’t know were available. His guidance and strategic approach can truly change the direction of your business.

Michael Carter
Michael Carter

Why Choose Rios Business Funding

We combine strategic capital expertise, industry relationships, and structured funding strategies to help businesses access the right capital at the right time. Our approach goes beyond traditional funding brokers by focusing on long-term financial positioning and scalable growth solutions.

Strategic Capital Expertise

Over 20 years of experience helping businesses secure credit, revenue, and asset-based funding solutions.

Extensive Funding Network

Access to a wide network of lenders and capital providers across multiple funding programs.

Smart Capital Structuring

We focus on structuring funding that supports growth while reducing unnecessary financial risk.

Growth-Focused Solutions

Funding strategies designed for businesses, real estate developers, and corporations ready to scale.

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