Business Funding, Arranged in Hours Not Weeks
$20,000 to $500,000+ in business funding through one 60-second form. A specialist explains every offer before you sign anything. Built for established companies with 1+ year in business and $20K+ in monthly revenue. Fast business funding for established companies, with same day business funding available on some products.
- Same-day funding available on some products.
- Built for established businesses. Revenue-based options are underwritten on your business deposits.
- Just 3 months of business bank statements to receive offers.Some states require 4 months.
See What Funding You Qualify For
Takes about a minute. No obligation, and applying won’t affect your credit.
From Application to Funded, in Four Steps
The same process we have run for more than 10,000 businesses.
Step01Tell us what you need
Loan amount, monthly revenue and how to reach you. About a minute, and a soft inquiry only.
Step02Meet your funding specialist
One person owns your file. They read your statements, ask the right questions and work the lender network on your behalf.
Step03Compare real offers
Amount, term and total cost side by side. No jargon, and nothing is signed until you understand every line.
Step04Get funded
Sign electronically. Same-day funding on select products; most files fund within 24 to 48 hours of approval.
One Application, Every Funding Option
One 60-second form puts your file in front of our full lender network. Here is what business funding can cover.
Business Funding for Cash Flow
Cover payroll, inventory, taxes or a slow month, with a repayment schedule matched to how your business earns.
Business Funding for Growth
Fund expansion, hiring, a new location or a bulk inventory purchase.
Business Funding for the Unexpected
Handle an emergency repair, a large supplier invoice or an opportunity that will not wait.
Most Businesses Qualify
Three things decide the menu of offers. Most businesses we fund have been operating a year or more with $20K+ in monthly revenue.
Florida-Based, Funding Nationwide
A+ rating with the Better Business Bureau. 4.9 out of 5 based on 200+ Trustpilot and Google reviews (as of September 2026).
Speed without the runaround
Pre-approval in hours, not weeks. Same-day funding on select products.
One specialist, start to finish
A named person who knows your file, answers the phone and explains every term.
Offers you can compare
Amount, term and total cost side by side, in writing, before you sign.
Repayment that fits
A repayment schedule matched to how your business actually earns.
Would absolutely recommend Raul to anyone looking to find funding solutions for their company. If it wasn’t for Raul & RAN Funding I would not have been as prepared as I am now to reach my business goals. Thank you!
What Happens After You Apply With RAN Funding
Your application is handled in house. One RAN Funding specialist reads your statements the same day, presents the file to the best-matched funders in our network for the best deal (not to a list of a hundred), brings the approvals back and compares total payback, payment and term with you. Your information is not resold as a lead, and you are not contacted by lenders you never chose; you hear from one person, in English or Spanish, from the first call through funding and renewal.
- One application, one soft pull, three months of bank statements.
- One specialist, not a call list.
- Offers side by side with total payback before you decide.
- Business financing only: working capital, lines of credit, term loans, equipment, receivables and SBA.
How this differs from a loan marketplace is laid out in RAN Funding vs. Lendio, Fundera and LendingTree.
Fast Business Funding When Your Business Needs It Now
Quick business funding from $20K to $500K+ through one application. A dedicated specialist brings back offers from a network of funders, usually within 24–48 hours.
Same Day Business Funding
When an opportunity or a bill cannot wait, same day small business funding is available on some products for owners who apply early in the day with recent bank statements. Same day unsecured business funding means no collateral paperwork, and same day short term business funding keeps the commitment brief.
Emergency Business Funding
A broken walk-in cooler, a late receivable or a surprise tax bill calls for urgent business funding, not a six-week bank process. If you need business funding today, submit one application and your specialist pursues immediate business funding options so you get business funding ASAP from funders who move fast.
24 Hour Business Funding
Business funding in 24 hours is realistic when your documents are ready: three to six months of bank statements and a one-page application. Larger or more complex files may land as 48 hour business funding instead, and your specialist tells you up front whether to plan for business funding in 48 hours.
Fast Payroll Funding for Business
Missing payroll is not an option. Emergency payroll funding for business owners covers a short gap between a slow month and the receivables that follow, and business funding to cover cash flow gap situations is sized to your deposits so it is paid down as revenue comes in.
Quick Funding for Established Business
With 1+ year in business and $20K+ in monthly revenue, you can get business funding this week instead of next quarter. Quick funding for established business owners includes working capital, term loans up to 3 years and lines of credit, and your specialist shows the total cost before you sign.
Fast Business Funding Nationwide
RAN Funding arranges fast business funding in Florida, Arizona, Illinois, New Jersey and Maryland, plus same day business funding in New York and Texas, with the same one-application process across the U.S. Local funders are not required; your file reaches a nationwide network at once.
Business Funding: What Changed and What It Costs Now
What Business Funding Costs 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. 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 |
Your Approval Odds in 2026, by Product
The Federal Reserve’s 2026 Small Business Credit Survey (6,525 employer firms) found 81% of applicants approved for at least part of their request and 42% approved in full. Equipment loans were approved in full most often (71%), followed by merchant cash advances (48%), lines of credit (45%), SBA loans (37%) and term loans (35%). Small banks fully approved 57% of applicants, the highest of any lender type; online lenders took 29% of applications but 60% of their borrowers said costs ran higher than expected. The full breakdown is in business loan approval rates in 2026; the products easiest to qualify for are ranked in easiest business loans to get.
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.
Guides for Specific Situations
¿Prefiere español? Lea esta guía en español.
Business Funding Questions, Answered
How fast can I actually get funded?
Business funding can arrive as soon as the same day the paperwork is complete, depending on the lender and your file. Your specialist tells you the realistic timeline for your file before you commit to anything.
Is there a hard credit pull to see my options?
No. Seeing what you qualify for is a soft check only, with no hard pull. A hard pull only happens if you choose to proceed with certain products, and you will be told before that happens.
What do I need to apply?
Right now, just the one-minute form on this page. To receive offers, a specialist will ask for your last three months of business bank statements (some states require four) and a one-page signed application. That is normally everything; larger amounts may also need tax returns and financials.
Is RAN Funding a lender?
RAN Funding is a business financing broker, not a lender. One application reaches a network of funders, and a dedicated specialist brings back the offers you qualify for with the amount, term and total cost side by side. Our compensation is disclosed and paid by the funder, and it does not change the terms you are quoted.
How do I get fast business funding without a bank?
Fast business funding starts with one short application and your recent business bank statements. RAN Funding is a broker, so your file reaches a network of funders at the same time and a dedicated specialist brings back the offers. Most owners see decisions in 24–48 hours, and a soft credit check is all it takes to see your options.
Is same day business funding really possible?
Yes, same day business funding is available on some products when you apply early and your statements are complete. It is most common with working capital and merchant cash advance structures. For term loans and lines of credit, plan on 24 hour business funding to 48 hour business funding depending on the funder's review.
What counts as emergency business funding, and what do I need?
Emergency business funding covers payroll, repairs, inventory shortfalls or a sudden expense that cannot wait for a traditional loan. You need 1+ year in business, $20K+ in monthly revenue and three to six months of bank statements. Your specialist shows the total cost before you sign, so an urgent decision is still an informed one.
Can I get quick business funding if I need business funding today?
Quick business funding is possible when you submit complete documents in the morning. If you need business funding today, tell your specialist, and they will route your file to funders known for same-day funding. If a product cannot fund the same day, you will know within hours and still typically receive funds in 24–48 hours.
Ready When You Are
One minute to see your options. A specialist calls back during business hours, Monday to Friday, 9am to 6pm ET.