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R Y A N S L O A N S
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OUR SERVICES

Comprehensive financial solutions tailored to your needs

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Project Financing Loans

Structured funding solutions for large-scale business projects, including infrastructure, real estate development, and expansion initiatives.

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Working Capital Loans

Short-term financing to help businesses manage day-to-day operational expenses and maintain steady cash flow.

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Invoice Financing

Advance funding against outstanding invoices to improve liquidity while awaiting customer payments.

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Bridge Loans

Temporary financing designed to bridge short-term gaps while securing long-term funding or completing ongoing projects.

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Equipment Financing Loans

Loans specifically for purchasing machinery, equipment, or technology necessary for business growth and productivity.

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Business Cash Advance

Flexible, quick-access funding based on future revenue projections, ideal for businesses needing immediate capital injections for growth or emergency needs.

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WHO WE ARE

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.

  • Competitive rates to ease financial.
  • Customized loan plans unique needs.
  • Streamlined processes for approvals.
Get Started

How much do you need?

$10000 $100000
1 Month 12 Months

Pay Monthly $

Total Pay Back $

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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

🤝 OUR PROCESS

Consultation successful loan approval process

Our comprehensive process ensures a seamless journey from initial consultation to successful loan approval. Experience personalized guidance and expert support every step of the way.

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Application

Start by filling out our easy online application form. Provide basic information about yourself and your financial needs.

Documentation

Upon approval, you'll receive clear instructions on the required documentation. this may include income verification.

Approval

Once your application is reviewed, we aim to provide swift approval decisions. Our goal is to get you approved.

Funding

After your documentation is verified and finalized, we initiate the funding process. Funds are typically deposited.

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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.



Risk and capital solutions across physical and financial commodity markets

We provide capital and financing, risk management, market access and physical execution and logistics solutions across the power, gas and emissions, agriculture and oil, and resources sectors globally. We also offer commodity-based index products to institutional investors.

Our in-house schedulers, structures, logistics experts, meteorologists, geologists, petroleum and mining engineers have deep industry expertise and technical knowledge, enabling robust evaluation of opportunities in both the advanced exploration and early development phases of projects.


What we do

Our typical loans across corporate or real estate is between $US2.5 billion to $US3 billion.

Corporate

We help growing and mature businesses structure and finance complex transactions across a variety of industries. Our stable and flexible capital base allows us to offer tailored solutions to meet the unique needs of companies in various situations.

We offer expertise and experience across a range of sectors, including:

  • Industrials
  • Financial Institutions Group
  • Services
  • Aerospace, Defense & Govt Services
  • Healthcare
  • Education
  • Infrastructure
  • Technology, Media and Telecom
  • Consumer, Gaming & Leisure

Real Estate

Our real estate team provides capital and specialised expertise to support residential, industrial and commercial projects. From direct funding to mezzanine debt, stretch leverage and lease financing, we offer flexible solutions to a broad and diverse set of sponsors and clients.

We offer broad coverage and experience in real estate:

  • Offices
  • Industrial
  • Retail
  • Hospitality
  • Multifamily apartments
  • Holiday rentals
  • Defence housing estates
  • Student accommodation
  • Data centres
  • Aged care
  • Disability care
  • Healthcare



Full-spectrum offering


Power, gas and emissions

Deregulated power industry leader in major markets globally.

Utilising our trading presence in gas and power, Ryans combines activities in the physical and financial markets to create highly effective and bespoke risk management solutions for clients across the energy asset class:

  • Physical offtake and supply​
  • Transport optimisation​
  • Trading/hedging​
  • Market analysis and research​
  • Financing and capital solutions​


Ryans Loan is continuing to grow its presence in the physical liquified natural gas space as the industry expands as an emerging area of focus globally.
  • Power
  • Emissions
  • Carbon offsets
  • Natural gas
  • LNG
  • Biomass
  • Hydropower
  • Responsibly sourced gas


Agriculture and oil

Providing tailored solutions across agriculture, crude oil, and refined products for more than 5 years.

We provide myriad solutions for producers, consumers, trade houses and investors.

Our global agriculture and oil expertise extends across the entire process of production to consumption, providing clients with access to a unique understanding of the market.

Utilising our trading presence, Ryans Loans leverages physical and financial capabilities to create highly effective and customised solutions. Our business offering includes:

  • Hedging and risk management
  • Credit intermediation
  • Physical logistics, storage and pipeline capacity
  • Cross-barrel, global, financial and physical platform
  • Chartering and freight services
  • Access to pipeline capacity
  • Supply/offtake agreements
  • Execution capabilities in carbon-offset oil and oil products
  • A dedicated supply and demand market analytics team
  • Capabilities in emerging low-carbon fuels


  • Crude oil
  • Refined products
  • Wet freight
  • Transport fuels (including low-carbon fuels)
  • Chemicals
  • Plastics
  • Grains and oilseeds
  • Meat, livestock and dairy
  • Sugar, coffee and cocoa
  • Ethanol/renewables
  • Pulp, paper and cotton


Resources


Providing physical and financing solutions across the resources complex to customers globally

With a 5+ year record in resources markets, CGM delivers comprehensive financing and risk management solutions across the resources value chain. Our clients benefit from access to:

Our global agriculture and oil expertise extends across the entire process of production to consumption, providing clients with access to a unique understanding of the market.

Utilising our trading presence, Ryans Loans leverages physical and financial capabilities to create highly effective and customised solutions. Our business offering includes:

  • Market-leading technical and fundamental insights
  • Customised solutions encompassing physical product, derivatives and financing
  • Cross-commodity and cross-market structuring
  • Liquidity in both derivatives and physical markets
  • Early-stage equity and debt capital across upstream metals markets
  • Financing capabilities for metals in port, transit, warehouse or at premises
  • Logistics solutions


  • Aluminium
  • Nickel
  • Copper
  • Zinc
  • Lead
  • Gold
  • Palladium
  • Silver
  • Platinum
  • Iron ore
  • Cobalt
  • Steel
  • Lithium
  • Tin

Principal Finance


We provide flexible primary financing solutions and engage in secondary market investing across the capital structure.





$US5b+

Funded Capital




50k+

Disbursed Loans




10k+

Client Relationships



What we offer

Our specialist teams can advise you on your current and future capital needs, and provide flexible and bespoke solutions to help you realise your strategic objectives.

Private Credit

We provide flexible capital and debt solutions tailored to suit complex financial needs, backed by Ryans’s balance sheet.

  • Senior debt
  • Junior debt
  • Structured debt
  • Corporate borrowers
  • Real estate borrowers

We utilise our global expertise, structuring capabilities and flexible balance sheet to seek equity opportunities which we believe can impact communities and markets. These include:

  • Mature equity investments
  • Control, co-control, minority
  • Platform funding
  • Corporate investments
  • Real estate investments

Diversity, equity and inclusion




Ryans’s ongoing commitment to diversity, equity and inclusion (DEI) ensures that our business remains innovative, sustainable and continues to meet the evolving needs of our clients, community, shareholders and our people.

We are making positive progress to increase diverse representation at all levels of Ryans and sustain an inclusive workplace for all our people but we still have work to do. Our DEI strategy focuses on three key pillars to accelerate our progress:





Our diverse people

Building a workforce that harnesses a range of perspectives, ideas, and insights in everything we do.




Our equity commitment

Achieving equitable outcomes by removing barriers and valuing differences, enabling everyone to be included and to reach their full potential.




Our inclusive culture

Creating an environment where people are respected for their uniqueness, valued for their contributions and celebrated for being their authentic selves.

Our strategic areas of focus

We recognise the many intersecting dimensions of identity and encourage our people to confidentially self-identify. This informs our strategic priorities, which include, but are not limited to the below.

Accessibility

As part of our equity commitment, we are committed to removing barriers for people who are neurodivergent or living with disabilities. We are working to ensure inclusive and accessible candidate, employee and customer experiences and we strive for continuous improvement in this space.

Cultural diversity and racial equity

We acknowledge the importance, necessity and benefit of cultural diversity and racial equity in the workforce. We continue to accelerate our initiatives to ensure we are building an organisation that takes real steps towards racial equity and full inclusion for all.

Families and carers

Ryans provides support to working parents and those with carer’s responsibilities of all genders through flexibility, paid leave, benefits and initiatives.

Gender equity

Female representation is increasing year-on-year across our total workforce and we offer a range of programs to help achieve gender equity and support women in their careers.

LGBTQ+

Our commitment to LGBTQ+ inclusion extends beyond our own workforce, and we have been recognised by external community partners as a leading LGBTQ+ inclusive organisation.

Regional priorities

As a global organisation, we recognise that each region in which we operate is unique and we tailor our DEI priorities accordingly. Regional areas of focus include First Nations, military veterans, social mobility, culture and heritage and more.

Our workforce


The diversity of our workforce is one of our greatest strengths and we remain committed to identifying opportunities for improvement across our organisation.

150 +

different cultural identities represented around the globe

97 %

global FY24 parental leave return-to-work rate

62 %

of Ryans Group's Board of Directors are women

Providing pathways to decarbonisation

To support the global transition to net zero, Commodities and Global Markets is developing and deploying climate solutions that meet our clients’ diverse needs and ambitions and help them with their decarbonisation pathways.

We believe in a managed, orderly and just transition, which means supporting carbon-intensive industries and companies to decarbonise, while protecting the vital services that our communities rely on.

As our clients’ needs evolve, we adapt by drawing on our long-standing energy and commodities expertise to better align and expand our capabilities, ensuring we continue to provide the right support.



Emissions House of the Year Environmental Products House of the Year



Two decades in energy markets and renewables



Merged our Agriculture and Global Oil businesses in 2022 to enhance our clean fuels offering



Our Capabilities


The scale and breadth of the energy transition is driving the delivery of holistic solutions across all our activities, markets, and client sectors, which we are supporting through our four major capabilities:


Our full range of activities are captured under seven broad verticals.

Carbon and emissions

We are active across a range of environmental products and trade in compliance and voluntary carbon markets globally. Our risk management services include fixed price hedging, procurement and offtake along with inventory monetisation and working capital financing solutions. To support our clients’ long-term carbon requirements we also originate, design, structure and execute carbon offsetting solutions and are involved in nature-based solutions (NBS) and carbon capture, utilisation and sequestration (CCUS) projects.

Our Global Carbon business


Providing integrated carbon offsetting solutions across the entire carbon offset value chain to support clients with their energy transition journey


Renewable and flexible power

Across the renewable power space, we provide innovative asset finance, risk management and capital solutions, including:



10+ million meters portfolio in the UK


Clean fuels

We provide physical, financial, risk management and logistics services across a broad range of clean fuels. This includes renewable natural gas/biomethane, renewable diesel, sustainable aviation fuels, ethanol, methanol and climate differentiated fuels, such as Responsibly Sourced Gas (RSG).

Our activities span across the clean fuels value chain; from feedstocks to refining and distribution where we provide a range of services from finance, fuels related infrastructure, trading and pricing in various attribute markets.

Executing a unique Responsibly Sourced Gas (RSG) transaction

Working with leading natural gas producers and distributors in Canada, we facilitated one of the world’s first RSG certified purchase and sale transactions using a digital registry that encodes key ESG metrics.


Sustainable transport

+ 17,000

e-scooters financed in South Korea

In the sustainable transport sector, we provide capital and financing solutions across zero emission vehicles and transportation, electric vehicle (EV) charging stations and sustainable shipping initiatives.

Our capabilities range from structured asset financing, leasing and mobility-as-a-service, to equity investments in sustainable transport projects and companies.


Critical minerals

For the metal value chains critical to the production and distribution of zero and low carbon energy, we provide capital and financing solutions, combined with physical, financial and risk services.

We are active across a variety of upstream, midstream and downstream metals sectors and support end-of-life metals recycling and recovery.

Financing the development of battery chemicals production

Ryans’s Commodities and Global Markets group provides a $US90 million working capital facility to support the continued development and ramp-up of a client’s battery chemicals plant and production of battery-grade nickel and cobalt sulphate


To support circular value chains, such as recycling waste streams and recovering valuable commodities, we provide capital, financing and risk management solutions. This includes:

  • Feedstock sourcing and logistics, in segments such as soft plastics, waste oils, bale and flake and scrap metal
  • The adoption of new processing technology, in the collection and source separation, recycling, waste-to-fuel and second-life (i.e. palletisation) segments
  • Commodity products, such as carbon offset generation, trading certification and hedging/fixed price offtake
  • Sustainability, in support of energy efficiency, wastewater treatment, carbon capture and particulate emissions

Sustainable finance

We provide capital, commercial structuring expertise, and innovative financing solutions to help our clients align all aspects of their business to their sustainability and net zero goals.

Focusing on projects that span across the full energy-transition spectrum, our capabilities include equity investing, structured asset financing, working capital solutions, leasing, letters of credit and derivative and other risk management products that support the achievement of key sustainability commitments. These may incorporate solutions to leverage various incentives and concessional capital offered by governments around the world, such as in the Inflation Reduction Act (IRA) passed by the US federal government in 2022.
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