Five Steps from Application to Money in the Bank
RAN Funding works hard to give business owners the funding they need, when they need it. Our programs are built for established businesses, and approved files can be funded in as little as 24–48 hours.
See What You Qualify For
Takes about a minute. No obligation, and applying won’t affect your credit.
Apply Once, Compare Every Offer You Qualify For
Apply online in minutes
All we need to start is your online application. It takes about five minutes, there is no fee and no obligation, and completing it will not impact your credit score.
Get approved
A funding specialist reviews your file against our lender network. Most complete files get a decision within hours rather than the weeks a traditional bank takes.
Receive your loan offers
The best option is the one that fits your needs, goals and budget. We put the offers you qualify for side by side — from the industry’s top lenders — so you can compare them in one place.
Get advice on the right fit
Your specialist walks you through every rate, term and fee before anything is signed, and helps you pick the structure that suits how your business actually earns.
Receive your funds
Once you accept an offer, funds are transferred directly into your business bank account — typically within 24 to 48 hours, and same-day for many approvals.
RAN Funding vs. a Bank vs. a Lead-Selling Website
The difference is who keeps your application. RAN Funding does not sell your information; one specialist works your file directly.
| Bank | Lead-selling website | RAN Funding | |
|---|---|---|---|
| Who sees your information | One bank | Several lenders or resellers that buy your contact details | One specialist; your file goes only to the lenders in our network that fit it |
| Calls you get | One | Many, from different companies | One person from start to finish |
| Products compared | The bank’s own | Whatever the buyers of your lead offer | Working capital, term loans, lines of credit, equipment, receivables and SBA |
| Typical speed | Weeks | Varies | Offers in hours on complete files; 24–48 hours to fund working capital |
| Who explains the terms | The bank’s loan officer | Each seller separately | Your specialist, offer by offer, with the total payback shown |
Speeds are typical, not promised. SBA loans take 30 to 60 days. RAN Funding is a business financing broker, not a lender; the lender sets the approval, amount, rate, fees and terms.
Programs Available to Qualifying Companies
One application puts you in front of all of these. A specialist will point you to the ones that fit.
Ready to See Your Options?
No obligation and no credit pull to apply. A funding specialist will come back to you with the offers you qualify for.
What to Expect in 2026: Odds, Costs and Common Questions
Your Approval Odds in 2026
The Federal Reserve’s 2026 Small Business Credit Survey found 81% of applicants approved for at least part of their request and 42% in full; equipment loans, cash advances and lines of credit were approved most often. One application through RAN Funding is compared across lenders for each of those products, which is why most established businesses 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.
What It Costs Right Now
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. Variable products (bank lines, SBA 7(a), HELOCs) moved up a quarter point in September; fixed-rate and factor-rate products you already hold did not. Full scenarios in prime rate is 7%: what it means for business loan rates.
| Product | How it is priced | Typical cost at Prime 7.00% | Speed |
|---|---|---|---|
| Business line of credit | Prime + 1 to 4 (bank); fee per draw (online) | 8% – 11% bank; 8% – 36% APR equiv. online | 1 – 3 days online |
| Business term loan | Fixed rate set at funding | 7% – 11% bank; 10% – 36% APR online | 2 – 5 days online |
| Working capital / revenue-based | Factor rate, fixed payback | Factor 1.15 – 1.45 | 24 – 48 hours |
| Merchant cash advance | Factor rate, repaid from sales | Factor 1.15 – 1.50 | Same day – 48 hours |
| Equipment financing | Fixed rate set at funding | 9.9% – 24% APR | 2 – 7 days |
| SBA 7(a) | Prime + 3 to 6.5 (capped) | 10.00% – 13.50% | 30 – 60 days |
| Business HELOC | Prime + 0 to 2 | 7% – 9% | 5 – 10 days |
¿Prefiere español? Lea cómo funciona RAN Funding en español.
Common Questions
How long does the RAN Funding process take?
A complete application with three months of business bank statements usually produces offers within hours. Revenue-based products fund in 24 to 48 hours (same day on select products), lines of credit and term loans in two to five business days, equipment financing in two to seven days and SBA loans in 30 to 60 days.
Does applying affect my credit score?
No. RAN Funding pre-qualifies with a soft credit pull, which 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.
Is RAN Funding a direct lender?
No. RAN Funding is a business financing broker. We present one application to a network of lenders and show you the offers side by side; the funding partner sets the approval, amount, rate, fees and terms.
What do I need to apply?
A five-minute application, the last three months of business bank statements as PDFs, a voided business check and a driver’s license for each owner of 20% or more. Larger amounts and SBA loans add tax returns and a year-to-date profit and loss.
What are my chances of being approved?
In the Federal Reserve’s 2026 survey, 81% of small business applicants were approved for at least part of their request and 42% in full. Equipment loans (71%), merchant cash advances (48%) and lines of credit (45%) were approved in full most often. Because we compare several lenders, most established businesses with a year or more of history (sometimes six months) and steady deposits receive at least one offer.
What does business funding cost right now?
With Prime at 7.00%: bank lines about 8% to 11%, SBA 7(a) 10.00% to 13.50%, online term loans 10% to 36% APR, equipment financing 9.9% to 24% and revenue-based products factor rates of 1.15 to 1.45. We show the total payback on every offer so you can compare true cost.
Credit, Rates and What a Soft Pull Means
If I have bad credit, can I still apply — or will I be denied?
You can still apply. When you apply for business loan funding we look at a range of factors about you and your business, which may include your credit history alongside the financial side of the business, such as profits and business assets. Past credit issues might make you ineligible for some products or mean a higher rate, but you are still welcome to apply. We aim to get the best available deal for every customer, including those looking for bad credit business loans.
Do you offer bad credit business loans, and will I pay higher fees or rates?
The exact rate and fees vary, because every situation is different. If you have bad credit it is possible you will pay a higher rate, but we recommend speaking to an advisor first to find out what your options actually are. After receiving your application we can review your information and find you the best deal available.
Will applying hurt my credit score? Do you offer soft pull loans?
Most of our loans will not impact your credit score for approval, because we only complete a soft pull. There are exceptions — an SBA loan, for example, where a lender may want a hard pull because it is a government-backed loan. Soft pull business loans do not affect your score because they are only used for pre-screening and purposes such as account maintenance.
A Real Person Reads Your File
Once your application is in, a specialist reads the statements themselves — deposit consistency, average daily balance, negative days and any existing positions — before anything goes to a funder. That is what decides which products you are a genuine fit for.
You get back a short list of real offers with the full cost shown, not a soft quote that changes at signing.
- About five minutes. The application itself, with three months of statements.
- Same day on most files. Offers back the same business day once statements are in.
- 24–48 hours to funding. From signed offer to money in your business account.
