Find the Perfect Financing for Your Small Business
Approved in Hours. Funded in 24–48 Hours.
Term loans, lines of credit, SBA and equipment financing from one 5-minute application. No obligation to see your options.
Industry guides: Restaurants · Retail · Construction · Medical · Dental · Auto repair · E-commerce · Professional services · Salon and spa · Landscaping · Manufacturing
Get Qualified In Minutes & Funded In 24–48 Hours
Securing working capital for your business without the bank runaround.
Quick Risk-free Application
Fast and easy online application with no obligation.
Swift Authorization
No-obligation approval decisions within hours, not weeks.
Business Funding Options
Compare the industry’s top options in one place and pick the best fit.
Bank-grade Security
Your data is protected with bank-grade encryption and SSL.
Professional Funding Insights
Knowledgeable advisors who are obsessed with growing your business.
Flexible Repayment
No collateral on most products, with daily, weekly or monthly repayment matched to your cash flow.
Three Steps to Funding, Without the Runaround
One secure application, one specialist who knows your file, and real offers from our lender network — instead of a dozen brokers calling at once.
Step01Apply online
About five minutes: your business details, how much you need, and three months of bank statements. Checking your options carries no obligation.
Step02Get matched offers
A dedicated funding specialist works our lender network and brings back only what you actually qualify for, with the rate, term and total cost side by side.
Step03Choose and get funded
Pick the offer that fits, sign electronically, and receive funds in your business account in as little as 24–48 hours once approved. Learn how fast business loans work.
Who We Fund
Most approvals share these four things. Close but not quite? Apply anyway — a specialist will tell you which products still fit.
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1+ year in businessOur programs are built for established businesses, and most clients have at least a year of operating history.
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$250K+ in annual revenueSteady deposits matter more than the headline number — consistent monthly revenue opens up stronger programs.
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Last 3 months of business bank statementsRecent statements let your specialist verify cash flow quickly, which is what makes same-week funding possible.Some states require 4 months.
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A business bank account with regular depositsOffers are based mainly on your business deposits, so steady monthly revenue in a business account matters most.
Not sure where you land? Checking costs nothing and takes about two minutes.
The Businesses We Fund Every Week
Your industry changes what a funder will look at, and which product actually fits. These are the ones our specialists see most — but the list is not a limit.
Restaurants & food serviceEquipment, build-outs and payroll between busy seasons.
Retail & boutiquesInventory ahead of a season, a second location, a slow month.
Manufacturing & distributionRaw materials, bulk inventory and equipment while receivables clear.
Construction & contractorsMaterials and crew on a signed job before the draw lands.
Medical, dental & veterinaryChairs, imaging and fit-outs, repaid as collections come in.
Auto repair & servicesLifts, diagnostics and parts inventory for the bay.
E-commerce & wholesaleStock ahead of Q4, freight, and the gap until payout.
Professional & personal servicesHiring, software, marketing and the quiet months in between.
Not listed? We fund most industries. Check your options — it takes about five minutes.
Same-Day Business Financing with RAN Funding
RAN Funding specializes in tailored business funding solutions for your company. We work with you to prepare the right package, then bring you competitive offers from our lender network.
- Same-day funding on select products
- No collateral on most products
- Daily, weekly or monthly repayment
- Specialists available Mon – Fri, 9am – 6pm ET
Choose the Product That Fits How Your Business Earns
Business Line of Credit
Draw funds as you need them and pay interest only on what you actually use.
Business Term Loan
A fixed rate and fixed term, with several repayment options to match your cash flow.
SBA Loans
Our lowest long-term rates, secured by the business and a personal guarantor.
Merchant Cash Advance
Repay a fixed percentage of daily card sales. Built for businesses that take cards.
Working Capital Loan
Bridge a big project or cover day-to-day needs without touching long-term financing.
Equipment Financing
Finance the full purchase price — the equipment itself acts as the collateral.
Invoice & Receivables Factoring
Turn unpaid invoices into working capital now instead of waiting on payment terms.
Revenue-Based Loans
Based on total monthly sales rather than card sales alone — often more than an MCA.
Franchise Business Loans
Renovate, expand or open another location, with funding built for franchisees.
Short On Time?
Our funding specialists can get your business the capital it needs quickly and securely.
Struggling to Secure Funding for Your Business?
Invest in inventory, equipment or expansion. Applying takes about five minutes, and complete files get decisions within hours.
A Florida-based team that funds businesses nationwide, with repayment matched to how your business earns.
What Business Loans Cost Now, and Your Odds of Approval
Small Business Loan Rates in October 2026
The prime rate has been 7.00% since September 17, 2026, after the Federal Reserve’s first hike since 2023; the next decision is October 28. Here is what each product costs right now.
| Product | Typical cost at Prime 7.00% | Speed | Guide |
|---|---|---|---|
| Business line of credit | 8% – 11% bank; 8% – 36% APR equiv. online | 1 – 3 days online | Lines of credit |
| Business term loan | 7% – 11% bank; 10% – 36% online | 2 – 5 days online | Term loans |
| Working capital / revenue-based | Factor 1.15 – 1.45 | 24 – 48 hours | Working capital |
| Merchant cash advance | Factor 1.15 – 1.50 | Same day – 48 hours | MCA |
| Equipment financing | 9.9% – 24% fixed | 2 – 7 days | Equipment |
| SBA 7(a) | 10.00% – 13.50% | 30 – 60 days | SBA loans |
Scenarios for the October 28 Fed meeting are in prime rate is 7%: what it means for business loan rates.
Your Odds of Approval in 2026
The Federal Reserve’s 2026 Small Business Credit Survey found 81% of small business applicants approved for at least part of their request and 42% in full. Equipment loans, merchant cash advances and lines of credit were approved most often; SBA and term loans least. Because one RAN Funding application is compared across lenders for every product below, most established businesses with six or more months of deposits receive at least one offer.
Share of applicants fully approved, by product (Federal Reserve, 2026)
81% of applicants were approved for at least part of the request. Source: Federal Reserve Banks, 2026 Report on Employer Firms.
Common Questions About Small Business Loans
How fast can I get a small business loan through RAN Funding?
Offers usually come back within hours of a complete application (a five-minute form plus three months of business bank statements). Revenue-based products fund in 24 to 48 hours and the same day on select products; lines of credit and term loans fund in two to five business days; SBA loans in 30 to 60 days.
What do I need to qualify for business funding?
Most products need six months or more in business, $10,000 to $15,000 or more in monthly deposits and personal credit from about 500 for revenue-based financing, 600 to 650 for lines and term loans, and 680 or higher for bank and SBA pricing. Requirements are stated product by product on each page.
Does applying affect my credit?
No. We pre-qualify with a soft credit pull that does not affect your score. Some lenders run a hard inquiry only at funding, and we tell you which ones before you accept an offer.
What does a small business loan cost in October 2026?
With the prime rate at 7.00%: bank lines about 8% to 11%, SBA 7(a) loans 10.00% to 13.50%, online term loans 10% to 36% APR, equipment financing 9.9% to 24%, and revenue-based financing factor rates of 1.15 to 1.45. Every offer shows the total payback so you can compare true cost.
Is RAN Funding a direct lender?
No. RAN Funding is a business financing broker. One application is compared across a network of banks, SBA lenders, online lenders and revenue-based funders, and you see the offers side by side. The funding partner sets the terms; there is no broker fee to you.
Can I get a business loan with bad credit?
Yes, if the business has steady deposits. Revenue-based financing and merchant cash advances approve from about 500 personal credit, invoice factoring relies on your customers’ credit, and equipment financing is secured by the equipment. See our bad credit business loans guide for options by score.
Straight Answers Before You Apply
Plain-English guides on what financing really costs, how fast it can move, and what lenders look for — written by the specialists who place these deals.