About

AI changed the cost of doing business.

Rafter is building AI Working Capital. It estimates when a business's AI bills will outrun customer payments, then offers qualifying businesses credit to cover the gap.

The name

A rafter spans the gap and carries the load.

Credit was built for fixed costs. AI made costs go up and down every month. So we're rebuilding the credit.

If you pay for AI before your customers pay you, you're already a lender. You just don't charge interest. Rafter lines up your AI bills against your incoming customer payments and estimates the date the bill gets ahead of your cash.

Who we're for

Owner-run businesses with real recurring revenue, paid on 30-to-90-day terms, spending at least a few thousand dollars a month on AI.

Marketing, creative and web agencies
Software and dev shops
AI integrators and voice AI companies
Law firms and claims services
Healthcare billing, dental groups, clinics and physical therapy practices
Accounting and bookkeeping firms
Insurance agencies
Staffing and recruiting firms
Freight brokers and logistics firms
Research and translation firms
Small distributors and manufacturers

If your AI bills land before your customers pay you, we built this for you.

Not a fit

Pre-revenue firms
AI covered by credits or equity
Businesses that bill up front
Single-vendor resellers

How we work with you

Concrete.

Real numbers: what you spend on AI, when your customers pay, and when cash gets tight. No jargon.

Certain.

AI changed how work gets delivered. Money hasn't caught up. We're here to fix that.

On your side.

Putting AI to work was a smart call. We're on your team, not across the table from you.

Plain about money.

Yes, it's credit. Draw what you need, pay it down, draw again. Monthly payments, never daily, and every term in writing before you commit.

Ask about a Rafter line

Questions? info@tryrafter.com