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Business funding guides
Plain-English guides to how business financing actually works — what lenders check, how the products differ, what a given revenue or loan size realistically supports, and what applies in your industry. Written and reviewed by RAN Funding.
Featured
The guides most owners read first
Direct answers, real requirements, no filler. Six pages that cover most first questions.
GuideSmall business loan guideEvery product, what it costs, and who it fits.
AmountsHow much can I qualify for?How offers are sized from one month of deposits.
RequirementsBusiness loan requirementsWhat underwriters actually check, product by product.
SpeedSame-day business fundingWhich products fund in hours, and what speed costs.
CompareMCA vs business loanStructure, cost and who qualifies, side by side.
RequirementsWorking capital requirementsDocuments, the six bank-statement signals, sizing.New this month
Latest articles
Fresh guides on getting funded fast, cash flow and the costs owners are facing in 2026.
Business funding statistics 2026 Section 179 and year-end equipment purchases RAN Funding reviews: is RAN Funding legit? Fast business funding: how it works and who qualifies Business loans in 24 hours Same day business loans Emergency business loans: what to do first Fast business line of credit: open in 48–72 hours Large business loans: up to $2 million in 72 hours How to get a $1 million business loan Business funding in Florida Fast business loans: options, speed and how to qualify Get funded before the Q4 rush Business funding in 24 hours: the checklist The Fed raised rates: what it means for fast business funding Why healthy cash flow keeps a business alive Holiday Inventory Is Arriving. Can Your Cash Flow Keep Up? Your Next Big Order Should Be Good News. Can Your Cash Flow Handle It? You Won the Contract. Now Comes the Cost of Getting Started. Same Purchase Order, Higher Costs: The Manufacturing Cash-Flow Squeeze The Data Center Boom Has a Cash-Flow Catch for Local Contractors The Equipment Still Runs. But Is It Holding Your Business Back? Get Your Business Ready Before the Busy Season Gets Here
Start here
Getting funded
Working capital: requirements & how to qualify Business loan requirements How much funding can I qualify for? Bank statements lenders ask for Why applications get declined Business loans with a 500 credit score Bad credit, no collateral Approved with a credit score under 660: what the data says The small business loan guide Funding for owners: every option Payroll funding Inventory financing Business expansion loans Business acquisition loans Bridge funding for contracts Bank declined your business loan? What to do next
Compare
Products and terms
MCA vs business loan SBA loan vs term loan Business loan vs business credit card Second position merchant cash advance MCA vs line of credit vs term loan Working capital loan vs line of credit Merchant cash advance requirements Factor rate vs APR How fast can you get a business loan? SBA loan rates SBA 7(a) loan sizes by industry MCA disclosure laws by state NSF fees and business funding Unsecured business loans How to choose a funding broker Broker vs direct lender vs marketplace
By amount
How much you can get
$50,000 business loan $100,000 business loan $250,000 business loan $500,000 business loan Funding at $50k monthly revenue Funding at $100k monthly revenue Funding at $250k monthly revenue $150,000 business loan $200,000 business loan $750,000 business loan $1 million business loan $2 million business loan Large business loans
By industry
Financing for your sector
HVACPre-season inventory, crews and vans.PlumbingMaterials, cameras and jetters, trucks.
Electrical contractorsWire and gear, licensed crews, 60-day invoices.
Wholesale & distributionInventory buys and the terms you extend.
RestaurantsEquipment, build-outs and seasonal payroll.
ConstructionMaterials, mobilization and retainage.
Medical practicesEquipment and the reimbursement lag.Dental practicesChairs, imaging and a second operatory.RetailInventory, seasonality and a second location.
Auto repairLifts, diagnostics and parts inventory.
E-commerceStock ahead of peak, ads and fulfillment.
Professional servicesPayroll between invoices and growth hires.
Salons & spasBuild-outs, equipment and product.LandscapingEquipment, crews and the off-season.ManufacturingRaw material for big orders, machinery.Gas stations & c-storesFuel drafts, pumps and tanks, the store.Veterinary practicesImaging, buy-ins and a second location.Car washesTunnel equipment, memberships, new sites.Software companiesHiring, enterprise receivables, acquisitions.
RoofingMaterials, crews and insurance-claim gaps.
Med spasDevices, injectables and treatment rooms.
Gyms & fitnessEquipment, build-outs and the summer dip.
Child careStaffing ratios and late subsidy payments.
Home health careCaregiver payroll while claims are pending.
Convenience storesCoolers, inventory and remodels.
Grocery & specialty foodRefrigeration, perishables and remodels.
PharmaciesInventory, reimbursement timing and automation.
Hotels & motelsRenovations, staffing and the slow season.
Auto body shopsInsurer payment delays, paint booths and parts.
Physical therapyReimbursement lag, equipment and new clinics.
ChiropracticTables, imaging and practice growth.
OptometryDiagnostic equipment and optical inventory.
Pool contractorsMaterials and crews before progress payments.
IT servicesHardware and engineer payroll ahead of invoices.
Machine shopsCNC machines, tooling and material for big orders.Scenarios
Real situations, worked through
Business makes $100K per month: funding options 5 NSFs in the last 3 months Funding with an existing MCA Strong revenue, 550 credit score Construction waiting 60 days on receivables Restaurant at $150K: term loan vs line vs revenue-based $100,000 Funded in 24 Hours for a Dallas Restaurant $275,000 Funded in 48 Hours for a Texas Manufacturer $550,000 Funded for a California Electrical and Plumbing Company $600,000 Funded for an Aventura, Florida Concrete Restoration Company $250,000 Consolidation Refinance: Two Positions Paid Off for a Manhattan Restaurant $75,000 Funded for a Growing Illinois ABA Center Manufacturing and Wholesale Distribution Funding From $250,000 to $500,000 Term Loan vs. Line of Credit vs. Revenue-Based Funding at $250,000+ Second Position vs. Consolidation: Which One Does Your Business Need? Business Funding From $250,000 to $500,000: What It Takes to Qualify
Tools
Calculators and comparison tools
By location
Business financing by state and city
Business financing in California Business financing in New York Business financing in Texas Business financing in Illinois Business financing in Georgia Business Loans in Miami, FL Business Loans in Fort Lauderdale, FL Business Loans in Orlando, FL Business Loans in Miami-Dade County Business Loans in Broward County Business Loans in Palm Beach County Business Loans in Pembroke Pines, FL Business Lines of Credit in Florida Business Term Loans in Florida Business financing in Alabama Business financing in Arizona Business financing in Arkansas Business financing in Colorado Business financing in Connecticut Business financing in Indiana Business financing in Iowa Business financing in Kansas Business financing in Kentucky Business financing in Louisiana Business financing in Maryland Business financing in Massachusetts Business financing in Minnesota Business financing in Missouri Business financing in Nevada Business financing in Oklahoma Business financing in Oregon Business financing in Tennessee Business financing in Utah Business financing in Washington Business financing in Wisconsin Business financing in Pennsylvania Business financing in New Jersey Business financing in North Carolina Business financing in Michigan Business Loans in Houston, TX Business Loans in Dallas, TX Business Loans in New York City Business Loans in Los Angeles, CA Business Loans in Chicago, IL Business Loans in Atlanta, GA Business Loans in Phoenix, AZ Business Loans in Philadelphia, PA Business Loans in Charlotte, NC Business Loans in Nashville, TN Business Loans in Denver, CO Business Loans in Las Vegas, NV
Español
Guías en español
Financiamiento comercial explicado para dueños de negocio hispanos en Estados Unidos: requisitos, montos, documentos y tiempos reales.
Financiamiento para negocios: guía completa Préstamos de capital de trabajo: requisitos Financiamiento basado en los ingresos ¿Cuánto financiamiento puede obtener mi negocio? Préstamos para negocios con mal crédito Financiamiento el mismo día Merchant Cash Advance vs. préstamo comercial Línea de crédito vs. capital de trabajo Con $50,000 o $100,000 al mes Consolidación de merchant cash advances Solicitar en español Financiamiento rápido para negocios Financiamiento para negocios en Florida Línea de crédito rápida para negocios Préstamos para negocios en 24 horas Préstamos grandes para negocios Préstamos para negocios el mismo día Préstamos de emergencia para negocios Préstamo de $1 millón para su negocio Financiamiento de nómina Financiamiento de inventario Préstamos para expansión de negocios Préstamos para comprar un negocio Financiamiento puente para contratos ¿El banco negó su préstamo de negocio? Préstamo de $150,000 para negocios Préstamo de $200,000 para negocios Préstamo de $750,000 para negocios Préstamo de $2 millones para su negocio Préstamos para negocios en Miami Préstamos para negocios en Houston Préstamos para negocios en Los Ángeles
Industrias
Financiamiento por industria
Cómo se financia cada sector, con los productos que mejor encajan, los usos más comunes y los documentos que se piden.
HVACInventario de temporada, cuadrillas y camionetas.ConstrucciónMateriales, movilización y retenciones.RestaurantesEquipo, remodelación y nómina en temporada baja.PlomeríaMateriales, cámaras y equipo de destape.Contratistas eléctricosCable, tablero y cuadrillas certificadas.Talleres mecánicosElevadores, diagnóstico y partes.ManufacturaMateria prima para órdenes grandes.Consultorios médicos y dentalesEquipo y el rezago de reembolsos.Mayoristas y distribuidoresInventario y el crédito a sus clientes.