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.
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.
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.
