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R Y A N S L O A N S

About Ryans

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Ryans Loans

Connecting ideas to capital.

Ryans Loans is a global lender, financial adviser, and project financier. We offer a distinct combination of services — from deploying our own capital to structuring tailored financing solutions, developing projects, and supporting business expansion across 76 markets worldwide.

As a trusted partner to businesses, institutions, and governments, we pair financial expertise with in-depth industry knowledge to connect ideas with capital. Our mission is to drive sustainable growth, foster innovation, and create meaningful impact in the communities we serve.

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5+

Years Of Experiences

Company Mission

To provide tailored lending and project financing solutions that drive growth, innovation, and long-term value for our clients.

Target, Vision & Goal

We aim to be a trusted global partner in financing, delivering flexible capital solutions and strategic support to help businesses thrive.

Dedicated Teams

Our expert teams combine deep industry knowledge with financial expertise to deliver customized solutions and lasting results.

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OUR IMPACT

OUR IMPACT

Investing in a leader in renewable energy data analytics

Supporting AI-enabled advancement in the Pre-K-12 education sector

Supporting investments in the digital transformation of the US defense and government services sector

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What We Stand For

Empowering people to innovate and invest for a better future.

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Our purpose represents why we exist and what we do. We believe that by empowering people - our colleagues, clients, communities, shareholders and partners – we will achieve our shared potential.

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    Years of trusted expertise

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    Loans approved

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    Satisfied clients

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Our principles

Ryans Loans purpose is enabled by three long-held principles that explain how we do business.

Opportunity

At Ryans Loans, we are committed to identifying and unlocking opportunities that create value for our clients, partners, communities, shareholders, and team members. We leverage deep expertise and financial insight, encouraging innovation, entrepreneurial thinking, and smart solutions, all grounded in operational discipline. We invest in the growth of our people, empowering them to learn, excel, and drive success.

Accountability

Accountability is the foundation of our success. As members of the Ryans Loans team, we value diverse perspectives and actively seek collaboration. We take full responsibility for our actions and decisions, upholding the highest standards of transparency and integrity. Every commitment we make is one we stand by, managing risks with diligence and ensuring our decisions create lasting value.

Integrity

Integrity defines how we operate. We act with honesty, fairness, and consistency, keeping our promises and earning the trust of our stakeholders through the quality of our service and ethical conduct. We foster a culture where speaking up is encouraged, whether to acknowledge mistakes or address concerns, ensuring that we always do what is right, even when it’s not easy.



Our central service groups

The central service groups provide a range of functions supporting the operating groups, ensuring they have the appropriate workplace support and systems to operate effectively and the necessary resources to meet their regulatory, compliance, financial, legal and risk management requirements.


Risk Management Group (RMG)

An independent and centralised function responsible for independent and objective review and challenge, oversight, monitoring and reporting in relation to Ryans material risks. RMG designs and oversees the implementation of the risk management framework.

Our approach to risk management

Legal and Governance Group (LGG)

Provides a full range of legal and corporate governance services, including strategic legal and governance advice and risk assessment on corporate transactions, treasury and funding, insurance, regulatory enquiries and litigation.

Financial Management, People and Engagement (FPE)

Responsible for managing the Group’s financial, tax and treasury activities and strategic priorities, fostering our culture through people and community engagement, and engaging with stakeholders to protect and promote Ryans reputation globally.

Corporate Operations Group (COG)

Brings together specialist capabilities in technology, data, AI, market operations, corporate real estate, business resilience, procurement and global security to support Ryans growth.

Agriculture

We have a proven track record of delivering funding solution strategies that generate strong risk-adjusted returns while developing solutions for global challenges in food security, climate, and biodiversity.

2.3m

hectares of farmland

5+ years

history in agricultural assets

$A1.8b

Disbursed agricultural loans


Addressing a critical need


Population growth, rising household incomes in developing regions and a changing climate are putting pressure on the world’s finite landscapes to produce more food while delivering better environmental outcomes. We build and manage diversified asset portfolios and businesses that seek to address this critical need.



Leveraging our strengths


We are a proven agriculture and natural assets manager with over 5 years’ experience. As active asset managers, we concentrate on enhancing productivity, protecting biodiversity and lowering carbon emissions across our portfolios.



Providing portfolio solutions in agriculture

Our funding strategies seek to generate attractive risk-adjusted returns. We have a track record of building and managing large-scale operating platforms by executing on complex opportunities and optimising operations.

Acting on a climate agenda

Our scale and reach provide unique opportunities to pioneer new approaches. We have led industry sustainability initiatives to develop action plans that seek to reduce emissions, promote biodiversity and foster conservation – working closely with our portfolio companies to implement these plans.

Sustainability


We seek to fund sustainably because we believe it drives better outcomes for our clients, investee companies and communities over the long term.

Sustainability at Ryans Loans

Overview


300m

people rely on Ryans funded essential services every day

5+ years

of green energy funding experience

$A1.4b

funded or arranged financing in green energy assets

Responsibility and an opportunity

As a custodian of vital businesses that touch people’s daily lives, we have both a responsibility and an opportunity to ensure we are actively driving positive change through our investments we operate to deliver value for our clients and communities.

We assess a range of commercial factors including material environmental, social and governance (ESG) risks and opportunities, before actively funding in companies and managing our portfolios over their holding period. This is part of our fiduciary duty to clients.

From our experience in the sectors in which we operate, ESG integration can improve operational performance and resilience, and contribute towards reduced risk, improved productivity, increased cash flow and better long-term value.

Focus on materiality


We manage a diverse suite of funding capabilities and asset classes on behalf of our clients, with different levels of ownership in, and influence over, the businesses we’re invested in. Because of this, the way we exercise our rights and responsibilities as stewards varies between the public market and private market businesses of Ryans.

Consistent across both businesses, however, is our materiality-based approach where we focus on ESG matters that are most important to each company, its employees and customers, alongside the jurisdictions, industries and communities in which it operates.





Alignment with the united nations' sustainability development Goals.


In our private markets businesses, we have created a Sustainable Development Goal (SDG) alignment framework5 to link specific ESG initiatives across most of our infrastructure and agricultural funds with the SDGs. We report on these funds’ progress on an annual basis to clients.

In our public market businesses, we have developed an SDG scoring system that holds over 150 data points for around 10,000 companies. Its metrics assess performance against the UN’s 17 SDGs and are available to help inform our investment teams’ decision-making.





The private sector can play a key role in developing and implementing solutions to address some of the world’s biggest sustainable development challenges. Within many of our funds, we are assessing their impact across a range of SDG targets and sharing our progress with clients.”





Partnership and advocacy.


As participants in some of the world’s leading industry alliances and advocacy groups, we work to continuously advance our understanding of ESG issues and opportunities and to improve our own sustainability approach. Our people also participate in working groups and advisory committees in areas where we believe we can meaningfully contribute to the understanding and development of industry best practice.





We recognise many of the ESG challenges we face are shared by other financial institutions. Our membership of various industry groups enables us to address ESG issues of common concern and share best practice.”





Industry alliances and advocacy groups.


Providing access to tailored asset finance solutions



Deep industry expertise across numerous sectors

With financing specialists and relationship managers working across the globe, we are actively supporting clients across a diverse range of industries.

Discover the breadth of our asset finance expertise and the ways we can tailor financing solutions to meet our clients’ unique needs.

Funding $A430 million in AI and data centre infrastructure deployment

$A900+ million currently under finance across the global resources sector

191,000+ devices enrolled in our Green Lease programme


Innovative financing solutions

We offer leasing, secured debt, equity and equipment advisory services for a wide range of established and emerging technology. We work with clients to source and procure equipment globally. Our global and regional sector expertise positions us well to facilitate bespoke solutions, including hedging, advisory, capital markets and offtake arrangements.


Bespoke outcomes across diverse industries

We provide alternate perspectives to conventional asset finance solutions, catering to diverse client needs.

Delivering specialist solutions across the full technology asset life cycle

Our core capabilities enable us to provide solutions with a circular approach that address capital expenditure, working capital and commercial challenges.

Innovative financing solutions

With deep expertise across technology and telecom operations, we support our clients with flexible solutions on complex deals, such as:

  • Providing more sustainable devices: We provide solutions for our clients that address both the carbon footprint and e-waste of phones, tablets, and laptops
  • Enabling hardware subscriptions: We help our telecom and technology partners deliver comprehensive and market leading device-as-a-service (DaaS) and hardware-as-a-service (HaaS) products for their customers
  • Deploying data centre equipment: We enable data centre developers and operators to deploy computer capacity rapidly. Our bespoke structuring matches the cashflows of tenancy with equipment costs




Financing the mining assets your business needs

We draw on the experience of in-house geologists and mining engineers to meet the needs of clients across the mining sector. With over $A600 million currently under finance across the global resources sector, our broad mandate and flexible structures allow us to conduct global transactions and take significant residual positions.
We support mine owners, mine operators, mine contractors, equipment manufacturers and equipment suppliers to finance:

  • Surface equipment: Off-highway trucks, excavators, shovels, loaders
  • Underground equipment: Trucks, load haul dump trucks, drills
  • Plant equipment: Crushers, conveyor systems




Supporting the transition towards smarter waste and clean technology solutions

Leveraging our balance sheet alongside a diverse set of global funding providers, together with Ryans Loans’s trading and risk management products, we enable our clients to accelerate their adoption of emerging technologies.
With a focus on waste recovery and recycling, we provide capital and financing that support:

  • Feedstock sourcing and logistics: Across segments such as soft plastics, waste oils and scrap metal
  • Sustainability: In support of energy efficiency, waste water treatment, carbon capture and particulate emissions
  • Increasing and improving processing capacity: Supporting capacity expansion or the optimisation of collection and source separation, recycling, second-life, waste energy recovery and waste-to-fuels segments, including through investment in novel technology.
  • Commodity products: Leveraging Ryans Loans’s broader capabilities in carbon offset generation, trading certification and hedging/fixed price offtake.




Funding the growth of distributed energy infrastructure

Our deep expertise in funding distributed energy resources (including battery energy storage, alternative energy storage, smart meters, building sensors, LED lighting, cooling and heating systems, Power Factor Correction and Electric Vehicle infrastructure) allows us to structure a financing package to deploy energy efficiency assets in a cost-effective manner.
We offer flexible capital that can be invested across the asset life cycle through:

  • Power Purchase Agreements
  • Energy Services Agreements
  • Purchase of Receivables
  • Hire Purchase
  • Operating Leases
  • Asset financing
  • Portfolio acquisitions
  • Targeted equity investments that accelerate the deployment of distributed energy assets




Fuelling a new approach to decarbonising vehicles and associated infrastructure

We provide full value chain support for public and private clients looking to decarbonise their own or their customers’ fleet. We can design complete asset finance solutions that include:
  • Battery lease: Batteries can be separated from the vehicle to drive down the all-in lease rate
  • Vehicle charging / fuelling: Financing of the fleet charging and hydrogen fuelling and related infrastructure
  • Service and maintenance: Bundled service and maintenance contract
  • Residual value (RV): Ryans Loans can assume RV risk across original equipment manufacturers and asset classes, de-risking transactions for operators and driving down costs
  • End-of-lease: Providing end-of-lease asset management and remarketing solutions
  • Vehicle finance: Finance or operating leases on battery electric vehicles (BEV) and fuel cell hybrid vehicles (FCEV)

Assisting shipowners with finance and tailored debt solutions



Deep industry expertise across numerous sectors

With financing specialists and relationship managers working across the globe, we are actively supporting clients across a diverse range of industries.

Discover the breadth of our asset finance expertise and the ways we can tailor financing solutions to meet our clients’ unique needs.

500+ financed vessels since inception

$US2 billion in our current portfolio

Dedicated team of asset finance specialists and maritime experts


Designing shipping finance solutions

We work with small and medium-sized shipowners to tailor shipping finance solutions that support the unique commercial goals of each client - whether focusing on the acquisition of new maritime assets, expanding a fleet, refinancing critical asset or retrofitting fleets.

We offer shipping clients:

  • an asset-focused approach and non-recourse finance across the 50-75% loan-to-value range
  • a flexible approach to client ownership structures, geography, vessel age, fleet size, and vessel employment strategies
  • attractive amortization profiles which may result in lower break-evens for shipowners
  • an ability to underwrite large exposures (>$A150 million) on a book and hold basis
  • higher leverage solutions through collaboration with other capital providers.


Access to Ryans Loans’s collective shipping capabilities

Our team brings together Ryans Loans’s maritime experience across capital and financing, asset management and commodities to provide a full service offering to clients.


Bunker fuel finance

We provide funding and credit to producers and distributors of marine bunker fuels via secured bunker receivable financing or physical trading structures.



Shipping pool structures

As one of the leading banks in delivering working capital finance to shipping pools, we provide access to liquidity to cover bunker costs, port and other service fees.



Specialist in commodity markets

We can leverage Ryans Loans’s experience across financing and capital solutions, trading and hedging, physical off-take and supply market research, analysis and investor products.

Decarbonising shipping fleets

Working with clients as they look to reduce the carbon intensity of their fleets

Our global presence in the shipping industry today means we are well-placed to support clients as they embrace opportunities that are arising out of the global energy transition. In the coming decades, we expect to see a shift to lower carbon fuel source options such as methanol, ammonia and hydrogen.

From the shipyard to terminals and shipping fleets, we can work with clients to finance and de-risk assets that are necessary for the energy transition.


Supporting the shift to smarter energy metering assets

We are one of the largest independent meter asset providers (MAP) of traditional and smart meters in the United Kingdom


Established in 2003 and supporting both growing and leading energy suppliers, we manage over 10 million meters and have provided £1.6 billion of funding to assist Great Britain’s smart meter rollout.

Building on our extensive experience, we are now providing support to meter operators also in Germany to facilitate the country’s smart meter rollout.

Explore how our competitive, low-risk solutions provide our clients with a high degree of reliability and certainty in an ever changing and challenging environment.



7.9m+

smart meters owned and managed


2.4m+

traditional meters owned and managed


Founding member

of the Community of Meter Asset Providers (CMAP)


5.1m+

meters processed via our in-house ISO accredited processing centre


Providing energy retailers with reliable meter asset provision services

Building on our decades of experience in utility infrastructure, as well as our financial and advisory expertise across Ryans Loans, we have developed reliable, sustainable, innovative and efficient meter asset provision solutions.

We offer a range of solutions - from straightforward funding and asset management to end-to-end services, including installation solutions, asset hardware triage services and reverse supply chain management.

We have funding in place and a proven track record of executing contracts with our clients. With a range of sector leading partnerships in place across the supply chain, from meter manufactures to installers, we can offer turnkey solutions to our clients.


Explore our solutions

Funding meters

We fund electricity and gas meters for some of the UK’s largest and best-known energy companies.

Using our extensive experience, we listen to our client’s specific metering requirements to develop flexible and innovative bespoke solutions that provide the highest standards of service.


Complete meters processing services

Since 2012, our meter asset processing services have included procurement, management and tracking, fault triage and warranty claim management. We offer our clients a complete turnkey logistics solution, driven by a sophisticated warehouse management system.

Our dedicated ISO accredited meter processing centre can receive, process and refurbish over a million meters and associated assets each year. Our team of specialised staff manage:



Collection and delivery services

Utilising our established logistics capabilities, we provide clients with the benefit of:



Receipts and tracking of meters

We are continuously improving our operation to maximise efficiency. Every meter is tracked through triage and testing against detailed operating procedures and accredited against ISO standards.

Testing and Visual assessments

Our bespoke asset tracking system is equipped to manage the testing of SMETS meters and records the full analysis of every receipted meter, including a full visual assessment. All our meters are tracked throughout each stage of the process.

Reconditioning and redeployment

We can refurbish more than 5,000 meters each month and have an exceptional approach to refurbishment and hardware dispatch.

Remaining at the forefront of developments in SMET2 triage and redeployment, we are working with industry parties to progress the ability to provide remote triage and refurbishment of SMETS2 assets.

Assets recycling

We work with major meter recyclers in the UK and have successfully recycled more than 3.8 million meters, with majority of materials being recycled. Recycling capability is Waste Electrical and Electronic Equipment (WEEE) registered and is audited regularly to ensure robust standards of compliance and good working procedures.

Data management and financial functions

Through our in-house team of data specialists based in the UK, we monitor and track all assets and produce bespoke reporting for clients.

Promoting safe and industry accredited best practices

Using a UK-based team has allowed us to embed local and highly specialised knowledge of UK standards and specifications into our business. Senior members of the team are active members of industry bodies such as UKMF, CMAP and provide technical authority on:

  • Health and safety management
  • Management of technical issues
  • Quality and reliability management
  • Accreditation and standards management (ISO 14001 & 1800a and LRQA)
  • Regulatory frameworks driven by government policy and energy retailer licence conditions overseen by Ofgem.


This ensures clients are given the confidence and certainty they need, in accordance with UK standards.

We build trust with our customers by combining creativity with tailored business loan solutions.

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