Business Financing Readiness Toolkit

Business Funding Readiness Checklist (PDF)

A three-page checklist in eight parts: business basics, bank statements, financial statements, tax returns, existing debt, use of funds, collateral and ownership, and a final review before you submit. It includes a documents-by-amount table so you only gather what your request size actually requires, and flags the items that most often slow an approval: missing months, unexplained large deposits, undisclosed positions and mismatched business names.

• Use it when you are about to apply for working capital, a term loan, a line of credit or an SBA loan and want the file complete the first time.
• What it saves is the back-and-forth: most delays come from a second or third document request, not from underwriting itself.
• Pairs with what documents do I need for a business loan and how lenders read your bank statements.

Download the checklist (PDF)

MCA Consolidation Comparison Worksheet (PDF and Excel)

Put every existing advance and a proposed consolidation, buyout or refinance on the same page. Part 1 lists each position: funded amount, factor rate, total payback, remitted to date, remaining balance, remittance, and the payoff letter balance. Part 2 records the proposed offer, including fees deducted and net cash to you. Part 3 compares monthly cash flow, total remaining cost and months to payoff, before and after.

The Excel version does the arithmetic: enter the contract figures and it calculates total payback, remaining balance, the monthly equivalent of daily or weekly debits, and the difference in total cost. The rule it is built around: a lower payment does not mean a lower total cost. Stretching a balance over a longer term at a new factor rate can relieve daily cash flow while costing more in total, and both numbers matter.

• Use it when you hold two or more advances, have been offered a consolidation, or are weighing a reverse consolidation against a buyout.
• Get the inputs from your agreements and a written MCA payoff letter for each position.
• Pairs with the MCA payoff calculator and merchant cash advance consolidation.

Download the worksheet (Excel)Download the worksheet (PDF)

Large Business Financing Preparation Guide (PDF)

A four-page guide for established companies preparing a request of $500,000 to $2 million, or larger through the SBA. It explains how underwriting widens above about $250,000, which ratios lenders look at (payment as a share of deposits, debt service coverage, existing positions), how the same amount looks as a short-term advance, a three-year term loan and a ten-year SBA loan, and what to have ready for collateral, personal guarantees and use-of-funds documentation.

Through RAN Funding, established businesses can access up to $2 million funded in as little as 72 hours once approved, and up to $5 million through SBA loans on a 30 to 60 day timeline. Every figure in the guide is labeled as an illustration, not a quote; actual terms are set by the funding partner after underwriting.

• Use it when you need $500,000 or more and want to know whether the fast route or the SBA route fits.
• Pairs with large business loans and how much business funding can I qualify for.

Download the guide (PDF)

How to Use the Toolkit in Order

1. Start with the checklist. Work out your average monthly deposits over the last three to four months and gather the documents for your amount band.
2. If you have existing advances, fill in Part 1 of the worksheet from your agreements and payoff letters before you compare any new offer.
3. If you need $500,000 or more, read the guide and prepare the extra items: year-to-date financials, a debt schedule and a written use of funds.
4. Apply once with a complete file. A specialist reviews it and presents it to the funding partners whose criteria fit, and you compare the approvals side by side.

RAN Funding is a business financing broker, not a lender. RAN Funding is paid by the lender, not by you.

See what your business qualifies for

Common Questions