Business Line of Credit, Approved in Hours
$20,000 to $2,000,000 business credit lines through one 60-second form. Draw what you need, pay interest only on what you use, and a dedicated specialist who explains every term before you sign. Built for established companies with 1+ year in business and $20K+ in monthly revenue. A fast business line of credit from $20K to $500K+, with same day business line of credit funding available on some offers.
- Funds in 48–72 hours once your line is approved.
- Redraw as you repay. Pay interest only on what you draw; the line refills as you pay it down.
- Just 3 months of business bank statements to receive line of credit offers.Some states require 4 months.
See What You Qualify For
Takes about a minute. No obligation, and applying won’t affect your credit.
From Application to an Open Credit Line in Four Steps
The same process we have run for more than 10,000 businesses.
Step01Tell us what you need
The credit limit you need, 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
Rate, term, payment and total cost side by side. No jargon, and nothing is signed until you understand every line.
Step04Get funded
Sign electronically. Most lines are open and ready to draw within 48 to 72 hours of approval.
One Application, Every Credit Line Option
One 60-second form puts your file in front of the line of credit lenders in our network. Here is how a business line of credit works once you are approved.
A Revolving Business Line of Credit
Get approved for a credit limit, draw what you need, and pay interest only on what you use. Terms of 12 to 36 months.
A Credit Line That Refills
As you repay, your line of credit refills and you can draw again without reapplying.
Use Your Line of Credit for Anything
No restriction on use: inventory, payroll, a slow month, an unexpected repair or a growth opportunity.
Most Businesses Do
Three things decide your credit limit and rate. Meet them and most businesses are approved.
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. Lines open in 48 to 72 hours.
One specialist, start to finish
A named person who knows your file, answers the phone and explains every term.
Offers you can compare
Rate, term, payment and total cost side by side, in writing, before you sign.
Pay for what you use
Interest only on what you draw, 12 to 36 month terms, and repayment 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!
Fast Business Line of Credit for Established Businesses
Draw what you need, repay, and draw again. A quick business line of credit arranged through one application and a dedicated specialist, with decisions in 24–48 hours.
Same Day Business Line of Credit
Apply early with recent bank statements and a same day small business line of credit is possible on some offers. A same day revolving business line of credit gives you an approved limit you can draw from immediately, and business line of credit same day funding lands your first draw in your account that afternoon.
Quick Business Line of Credit
A quick small business line of credit replaces the two-month bank application with a one-page form and three to six months of statements. Most quick revolving business line of credit offers come back within a business day, and your specialist shows the total cost before you sign.
Fast Small Business Line of Credit
A fast revolving business line of credit is built for owners who want flexibility, not a lump sum. As a fast funding business line of credit, each draw is funded quickly after you request it, so business line of credit fast funding is there when inventory, payroll or a repair comes up.
Emergency Business Line of Credit
When a supplier demands payment or equipment fails, an urgent business line of credit gives you a cushion without a new application every time. Think of it as an immediate business line of credit for established businesses: once approved, you decide when and how much to draw.
24 Hour Business Line of Credit
A business line of credit in 24 hours is realistic when your bank statements are complete and your business shows $20K+ in monthly revenue. Your specialist confirms which funders can meet that timeline and tells you up front if a file will take closer to 48 hours.
Next Day Business Line of Credit
Approved today, drawing tomorrow. A next day business line of credit suits owners who apply in the afternoon or whose file needs a quick second review. Your limit is set by revenue and time in business, and you only pay on what you actually draw.
Straight Answers Before You Apply
How fast can I get a business line of credit?
Most business lines of credit are approved within hours and open to draw in 48 to 72 hours once the paperwork is complete. Your specialist tells you the realistic timeline for your file before you commit to anything.
How does a business line of credit work?
You are approved for a credit limit, draw what you need, and pay interest only on the amount outstanding. As you repay, the line refills and you can draw again without reapplying. Terms run 12 to 36 months, and there is no restriction on use: inventory, payroll, a slow month, an unexpected repair or a growth opportunity.
Will checking my options affect my credit score?
No. Seeing what you qualify for is a soft inquiry, which does not touch your score. 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 rate, 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 fast can I get a fast business line of credit?
A fast business line of credit through RAN Funding typically comes back with decisions in 24–48 hours, and a same day business line of credit is available on some offers when you apply early with complete bank statements. Because one application reaches multiple funders, you compare limits and terms side by side instead of waiting on a single bank.
What is the difference between a quick business line of credit and a term loan?
A quick business line of credit is revolving: you draw, repay and draw again up to your limit, paying only on what you use. A term loan gives you one lump sum with a fixed schedule up to 3 years. Owners who want a fast small business line of credit usually have recurring needs like inventory or payroll, while a term loan fits one large purchase.
Can I get an emergency business line of credit with 1 year in business?
Yes. An emergency business line of credit is available to businesses with 1+ year in business and $20K+ in monthly revenue. Funders focus on your deposits and cash flow, so a soft credit check is enough to see options. If you need an immediate business line of credit, tell your specialist and they will prioritize funders known for fast approvals.
Is a 24 hour business line of credit unsecured?
Most 24 hour business line of credit offers arranged through RAN Funding are unsecured and based on business revenue rather than real estate or equipment collateral. A fast revolving business line of credit of this kind is common from $20K to $500K+. Your specialist shows the total cost before you sign, including how draws and repayments work.
Ready When You Are
One minute to see your line of credit options. A specialist calls back during business hours, Monday to Friday, 9am to 6pm ET.