About Us
Our Mission, Values, and Approach to Business Financing in Alberta
Secure your investment with Rocky Ridge Funding. We simplify the entire loan funding process, offering competitive rates, expert guidance, and quick approvals. Plus, our specialized solutions are tailored to meet your unique financial needs.
Dave Hill | Funding Manager
With over 26+ years of experience in financing...
Dave Hill founded Rocky Ridge Funding after experiencing firsthand how difficult it is for small business owners to navigate the traditional lending system. With a background spanning real estate, business operations, and financial consulting, Dave built Rocky Ridge Funding on three pillars: speed, transparency, and genuine care for the Calgary business community.
Today, Dave leads a team of experienced lending specialists serving businesses across Calgary, Edmonton, Red Deer, Lethbridge, and throughout Alberta. His philosophy is straightforward: every business deserves a funding partner who treats them as more than just a credit score.
Under Dave’s leadership, Rocky Ridge Funding has helped access the capital needed to grow, expand, and succeed.
A little bit about us
Who we are
Rocky Ridge Funding is a Calgary-based alternative business lender and financial services company offering fast, flexible funding to small and medium-sized enterprises across Alberta, British Columbia, and Saskatchewan. We are independently operated and privately funded — meaning we can move faster than banks and make decisions based on real business performance, not rigid institutional checklists.
Our services include small business term loans, business debt consolidation, lines of credit, revenue-based financing, invoice financing, and equipment financing.
Whether you’re an individual business owner in Alberta or, an established Small or Medium size business in the Foothills Industrial area, Rocky Ridge Funding has a solution for you.
25+ Years Experience
96% Client Satisfaction
Local Experience
Why Our Clients Keep Choosing Us
Flexiable interest rates
Every loan comes with a fixed interest rate, so you know your exact payment from day one. No surprises, no rate creep — just predictable costs while you focus on running your business.
High value deals
We work with Alberta business owners across every industry, structuring financing solutions that traditional banks often can’t offer. From consolidation to equipment to revenue-based lending, we find the right fit for your business.
Best Practices
Every application is assessed using 6 month bank statement and time in business, so you get a fair, fast decision built on sound lending standards, not guesswork.
Fast Approval
We move quickly where banks can’t. Applications are reviewed and funded in days, not months, so you get capital when your business actually needs it.
Get Funded
We fund businesses across Calgary, Edmonton, and throughout Alberta, with financing options for consolidation, equipment purchases, and revenue-based needs.
We handle negotiations with these lenders, saving you the need to do so.
How it works
Get started with Rocky Ridge's Fast Funding Solutions
Your investment or loan is managed by experienced professionals. Transparent performance reporting and guaranteed client communication ensure your experience with Rocky Ridge Funding is always clear and productive.
Whatever your circumstance, let our specialists be your guide
Traditional banks often reject self-employed business owners in because income is irregular or shown differently on tax returns. Rocky Ridge Funding assesses your actual cash flow and business performance; not just your credit score. Whether you're a sole proprietor, incorporated, or a contractor, we have business loan products designed specifically for non-traditional income earners across Alberta.
A low credit score or a mark on your bureau doesn't have to end your funding options. Rocky Ridge Funding uses a cash-flow-first underwriting model; meaning your monthly revenue, business history, and repayment ability carry more weight than your credit score alone. Many Alberta businesses with credit challenges have secured funding through us after being declined elsewhere.
Managing multiple high-interest business loans, merchant cash advances, or credit lines at once is costly and stressful. Rocky Ridge Funding rolls multiple debt obligations into a single, structured business debt consolidation loan — typically at a lower blended rate, with one predictable monthly payment. Businesses have reduced their total monthly debt service by 20–40% through our consolidation solutions.
Waiting 60–90 days for customers to pay outstanding invoices creates real cash flow pressure; especially for trades, contractors, and B2B service businesses. Rocky Ridge Funding advances within 24 hours, so you have the working capital to meet payroll, pay suppliers, and take on new contracts without waiting.
Whether you need a work truck, commercial kitchen equipment, manufacturing machinery, or technology hardware, Rocky Ridge Funding structures equipment financing that preserves your working capital. Terms from 12 to 24 months, available to Alberta businesses across all industries; construction, hospitality, logistics, healthcare, and more. The equipment itself often serves as collateral, making approval faster.
Most banks require 2+ years in business before considering a loan application. Rocky Ridge Funding works with newer businesses — including those under 12 months old — using revenue, customer contracts, and business plan strength as qualifying factors. If your business is generating consistent revenue, we want to hear from you regardless of how long you've been operating.
Alberta's economy runs on seasonal businesses; construction, agriculture, tourism, hospitality, and retail all experience revenue peaks and troughs. Rocky Ridge Funding's revenue-based financing products flex with your income: repayments scale up during strong months and down during slow periods. We also offer lines of credit that let business owners draw capital when needed and repay when revenue allows.
A bank rejection is not the end of the road. Rocky Ridge Funding was built specifically to serve Alberta businesses that traditional lenders have turned down; for any reason. We review your file with fresh eyes, a different underwriting model, and a genuine interest in finding a path forward. Over 70% of our clients have been declined by at least one major bank before finding a solution with Rocky Ridge Funding.
Great opportunities await
Financing built for your business
Simple, Straightforward Criteria
Your business’s cash flow and financial profile determine what you qualify for — assessed quickly by experienced lending professionals, not rigid bank checklists.
Benefits to Your Business
Competitive rates and clear terms from day one, with regular check-ins throughout your loan so you always know where you stand — no hidden surprises, no guesswork.
Room to Grow
As your business grows, you can pay down early or access additional financing for your next stage — flexible structures built around your plans, not ours.
Filling a Need in the Marketplace
Flexibility. Speed. Transparency. These are the things traditional lenders and banks often can’t offer. We’re built to fill that gap for Alberta businesses.
Common Business & Finance Questions And Answers
At Rocky Ridge Funding, we understand that financial setbacks can happen. If you miss a loan payment, it’s essential to contact us immediately. We offer flexible solutions, including the possibility of restructuring your payment plan or providing a grace period to help you get back on track. It's important to keep us informed, as missed payments can lead to additional fees or affect your credit.
Qualifying for a loan depends on several factors including your credit history, income, and the type of loan you are applying for. At Rocky Ridge Funding, we make the qualification process simple and transparent. Our team will evaluate your financial situation and provide guidance on the necessary documentation. If needed, we will work with you to improve your credit profile or financial standing,
The approval time for loans at Rocky Ridge Funding typically ranges from hours to a few days, depending on the complexity of the loan and the documents required. We prioritize quick processing without compromising on thorough evaluations. Once you submit your application and necessary documentation, our team works efficiently to review and approve your loan.
Interest rates vary depending on the type of loan, your credit profile, and market conditions. We strive to offer competitive rates while ensuring that our terms are fair and affordable. Our loan advisors will walk you through the different interest rate options available to you, allowing you to make an informed decision. Additionally, we offer flexible repayment terms to suit your financial situation.
The approval time for loans at Rocky Ridge Funding typically ranges from hours to a few days, depending on the complexity of the loan and the documents required. We prioritize quick processing without compromising on thorough evaluations. Once you submit your application and necessary documentation, our team works efficiently to review and approve your loan.
Interest rates vary depending on the type of loan, your credit profile, and market conditions. We strive to offer competitive rates while ensuring that our terms are fair and affordable. Our loan advisors will walk you through the different interest rate options available to you, allowing you to make an informed decision. Additionally, we offer flexible repayment terms to suit your financial situation.
Qualifying for a loan depends on several factors including your credit history, income, and the type of loan you are applying for. At Rocky Ridge Funding, we make the qualification process simple and transparent. Our team will evaluate your financial situation and provide guidance on the necessary documentation. If needed, we will work with you to improve your credit profile or financial standing,
The approval time for loans at Rocky Ridge Funding typically ranges from hours to a few days, depending on the complexity of the loan and the documents required. We prioritize quick processing without compromising on thorough evaluations. Once you submit your application and necessary documentation, our team works efficiently to review and approve your loan.
At Rocky Ridge Funding, we understand that financial setbacks can happen. If you miss a loan payment, it’s essential to contact us immediately. We offer flexible solutions, including the possibility of restructuring your payment plan or providing a grace period to help you get back on track. It's important to keep us informed, as missed payments can lead to additional fees or affect your credit.
The approval time for loans at Rocky Ridge Funding typically ranges from hours to a few days, depending on the complexity of the loan and the documents required. We prioritize quick processing without compromising on thorough evaluations. Once you submit your application and necessary documentation, our team works efficiently to review and approve your loan.
Let's grow your business!
Applying is easy and takes just a few minutes.
The essential to combine empathy, creativity and rationality to meet user needs and business success
