Business Loans in Palm Beach County
Palm Beach County earns most of its money in six months and pays its bills across twelve. Funding here is usually a timing problem, not a revenue problem — and timing is something a funder can price.
Two economies share one county. Along the coast, from Boca Raton up through Jupiter, the calendar rules everything: season fills the rooms, the tables and the job sites, then May arrives and the receivables are still out. West of the turnpike, in Belle Glade and Pahokee, the cycle is agricultural and just as unforgiving. Either way, a bank looking at one quarter in isolation draws the wrong conclusion.
RAN Funding is a broker and ISO. We do not lend our own money — we build the file, place it with the funders in our network, and bring you the offers to compare with one specialist on it throughout.
Hablamos español. Si prefiere revisar sus opciones en español, visite nuestra página de préstamos para negocios.
Where we work in Palm Beach County
West Palm Beach, Boca Raton, Delray Beach, Boynton Beach, Jupiter, Wellington, Palm Beach Gardens, Lake Worth Beach, Riviera Beach, Royal Palm Beach, Greenacres, Palm Springs, North Palm Beach, Tequesta, Juno Beach, Lantana, Atlantis, Highland Beach, Loxahatchee Groves, Westlake, Belle Glade, Pahokee, South Bay and the unincorporated county.
Boca Raton and West Palm Beach send us the most files. Wellington and Jupiter are close behind, mostly service businesses attached to households rather than to offices.
The businesses that call us from here
Home services and trades
Wellington, Jupiter and Palm Beach Gardens. Pool, landscape, electrical, HVAC and remodelling crews who buy materials and carry payroll weeks before a homeowner pays.
Professional and B2B services
Boca Raton and West Palm Beach. Agencies, IT firms and staffing-adjacent outfits waiting on net-30 and net-60 corporate terms.
Hospitality and food service
Delray, Boynton and the island. Six strong months, then a long summer that still has rent, payroll and maintenance attached to it.
Agriculture in the Glades
Belle Glade, Pahokee and South Bay. Inputs, labor and equipment repair land ahead of the harvest that funds them.
The county’s cash-flow calendar
| Period | What is happening | What owners usually need |
|---|---|---|
| November – April | Season. Rooms, tables and job sites full. | Staffing and inventory to keep up with demand |
| May – June | Season ends, receivables still outstanding | A bridge while invoices clear |
| July – September | Quietest stretch, plus storm exposure | Payroll cover, hurricane prep, equipment work |
| October | Ramp-up before the season lands | Hiring, stock, refurbishment |
The best month to apply is usually the one before you need it, while the statements still show the strong side of the cycle.
How to qualify
| Requirement | What we look for |
|---|---|
| Time in business | 1 year or more |
| Monthly deposits | $20,000 or more |
| Bank statements | The last 3 to 6 months, business accounts only |
| Location | Anywhere in Palm Beach County, and the rest of Florida |
A seasonal business is judged on the pattern across those months, not on the weakest one in isolation.
How fast can you get funded?
Decisions come back in hours on a complete file, and funding usually lands 24 to 48 hours after signing. For a seasonal operation the speed matters less than the timing — money that arrives in October is worth considerably more than the same money in February.
What we need to move quickly is the application, three to six months of business bank statements, and an honest account of any advances already in place.
Frequently asked questions
My revenue drops every summer. Can I still get funded?
Yes, and it is one of the more common files we place from this county. Funders look at the pattern over three to six months rather than judging a single soft month.
Do you work with businesses in Belle Glade and Pahokee?
Yes. The whole county is covered, coast to Glades, and agricultural operations are a normal part of the mix.
Is RAN Funding a lender?
No. We are a broker and ISO. We package your file and place it with funders in our network, then bring the offers back to you.
How new can my business be?
One year of operating history is the general floor for the funders we work with.
Do you do real estate or hard money?
No. This is working capital, business term loans and lines of credit for operating businesses.
What do I need to start?
The application and three to six months of business bank statements — business accounts only. You can send documents to support@ranfunding.com.
Other South Florida pages
See what you qualify for
One application for our lender network, and one dedicated specialist on your file. Initial review is a soft pull.
RAN Funding is a broker and ISO, not a lender. Approval is never guaranteed. Rates, terms and amounts are set by the funding lender.