We Buy the Debt That’s Buying You.
Founded in 2019 and headquartered in Miami, Refinos Capital Holdings is a private commercial finance company that acquires, restructures, and replaces high-interest corporate debt with sustainable capital solutions.
Our Mission
We exist to give business owners a way out of predatory lending. When high-cost merchant cash advances, bridge loans, and short-term obligations threaten to sink an otherwise healthy company, we step in — buying out the debt and replacing it with terms that let the business breathe, grow, and thrive.
Our Approach
Every engagement begins with a comprehensive assessment of the existing debt structure. We identify the most punitive obligations, negotiate directly with creditors, and execute a full buyout — delivering a single, restructured facility with lower rates, longer terms, and predictable payments.
Our Values
Integrity
Transparent terms, honest counsel, and no hidden fees. We earn trust by doing exactly what we say we will.
Precision
Every deal is underwritten with rigorous financial analysis. We structure solutions that work for the long term, not just the closing table.
Speed
When debt is crushing your business, time is capital. We move fast — from assessment to funded buyout — so you can focus on operations.