About Us
Redefining Support for Startups and Small Enterprises
At Ricavo Capital, we are dedicated to equipping entrepreneurs and small businesses with the financial tools, knowledge, and support needed to thrive in today’s competitive landscape. Our firm specializes in startup funding, business credit repair and structuring, company formation, and strategic financial consulting. From providing same-day working capital and equipment financing, to helping clients form LLCs with EIN registration, clean up credit reports, and plan for tax season—our goal is to simplify business building and empower long-term growth. With personalized service and a results-driven approach, Ricavo Capital is your trusted partner in launching, rebuilding, and scaling your business with confidence.
Our Story
Ricavo Capital was born from firsthand experience. Our founders—veterans of the banking and financial services industry—witnessed the systemic challenges that startups and small businesses face every day. They saw too many promising entrepreneurs denied funding, underserved by rigid financial institutions, and left without the guidance needed to structure and grow their ventures effectively. Driven by a desire to level the playing field, they left the traditional banking world to create a firm focused on access, empowerment, and real results. Today, Ricavo Capital delivers not just funding, but the strategic consulting, credit structuring, and business formation support that new and growing companies truly need to thrive.
Meet The Team
Frank Cutruzzola is a seasoned business growth strategist and lender, co-founding Ricavo Capital in 2024. Based in Palm Coast, Florida, Ricavo Capital is a business finance firm specializing in helping companies—from startups to established enterprises—secure the capital they need to grow. The firm offers a range of funding solutions, including SBA loans, equipment financing, lines of credit, invoice factoring, merchant cash advances, and commercial real estate financing.
In addition to lending, Frank leads Ricavo’s credit structuring and enhancement services, designed to help clients optimize their business credit profiles and financial readiness—empowering them to access greater funding opportunities with more favorable terms. His consultative approach positions Ricavo Capital not just as a lender, but as a long-term strategic partner.
Frank is known for his professionalism, responsiveness, and deep commitment to client success. His local network and expertise in the Florida market have made him a trusted resource for entrepreneurs and business owners looking to scale. Under his leadership, Ricavo Capital delivers not only funding but the financial insight and structure that businesses need to thrive.
Peter McGhee is the Principal Contracts & Compliance Manager at Phemotron Systems Corporation. Peter has bought and sold several multi-million dollar transportation & logistics companies. He is a major player in the Federal contract transportation market for air land and sea logistics in Washington DC and the Mid Atlantic Region. Peter develops business proposals for submission to federal, state and local governments, as well as public utility services and private enterprises. Peter has a strong knowledge of 40 plus years in government procurement, with a strong background in SBA 8a diversity and State minority private procurement procedures. He has over 40 years of experience as a small business owner, winning and successfully completing multiple million-dollar sub and prime contracts for federal, state, municipal, and corporate agencies. He provided services for government agencies through a number of socially disadvantaged classifications, including diversity programs, mentor-protégé programs, and the SBA 8(a) Program, while managing an employee force of more than 100. Peter was honored to receive the U.S. Small Business Administration’s “Outstanding 8(a) Contractor of the Year Award
Peter Mcghee - MBA,, B.S.W., M.H.A
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