Your Clients Need Capital. We Place It. You Earn Industry-Leading Commission.
If you advise business owners, you already hear them ask for capital. Refer them to RAN Funding: one application for our lender network, one dedicated specialist, and a commission to you on every deal that funds. You keep the client relationship. We handle the funding process.
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You referSend a client who needs working capital
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RAN reviewsOne dedicated specialist calls within one business day
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Lender networkOne application for our lender network
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Deal fundsIn as little as 24 hours after approval
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You get paidReferral commission on every funded deal
Sign Up in Two Minutes. We Call Within One Business Day.
Tell us what you do and how to reach you. One of us calls to walk through the partner agreement, then you get your marketing materials and co-branded landing page. Have a client who needs funding right now? Say so on the form and we start on it today.
Business financing only: for established businesses with revenue and 1+ year in business. No startups.
- Industry-leading commission, paid at funding, split set in writing.
- No upfront cost, no licensing needed for referral introductions.
- You keep the client relationship. We handle the funding process.
- BBB A+ rated, 4.9/5 from 200+ reviews, white-glove service on every file.
Become a Referral Partner
Takes two minutes. We’ll call within one business day to walk through the agreement. A business funding referral program for accountants, consultants, agents and ISOs who want their clients funded fast.
Anyone Who Advises Business Owners
Our best-fit referral partners already sit across the table from owners when the cash-flow question comes up. If that’s you, you’re a fit.
Referral partners
You make the introduction; that’s it. No licensing is required for basic referral introductions, and you never have to explain a term sheet. We take the file from there and keep you updated at every stage.
ISOs & funding brokers
You have deals that don’t fit your lender box: wrong industry, wrong revenue band, too many positions, a credit profile your lenders won’t touch. Send them to us instead of letting them die. Non-circumvention in writing, a call back within one business day.
Four Steps from Referral to Commission
No quotas, no minimums, no exclusivity. Send one deal or twenty.
Sign up in two minutes
Tell us who you are and who you work with. We send the partner agreement plus your marketing materials and co-branded landing page, and you’re live. No upfront cost.
Send the introduction
Email us the business owner’s name and number, submit through your partner link, or send the full file if you’re an ISO. That’s all we need to start.
We run the deal
One dedicated specialist collects the application and bank statements, submits it to our lender network, and walks the owner through every offer. You get transparent updates as it moves.
Deal funds, you get paid
When the lender funds the deal, you’re paid your referral commission per the partner agreement. Renewals on your referrals pay you too.
Send Us the Deals That Don’t Fit Your Box
Every brokerage has files it can’t place: the restaurant with three positions, the contractor at $18K a month, the 580 credit score, the industry your lenders exclude. Right now those files go in a drawer. With RAN they become a second look and, often, a funded deal.
We broker to a wide lender network that covers working capital, revenue-based financing, term loans, lines of credit, SBA, equipment, and receivables. If there’s a home for the file, we’ll find it, and you’re paid on the split in our agreement.
The Files ISOs Send Us Most
- Paying off a position. The merchant wants one existing advance paid off to free up daily cash flow.
- New capital on top of existing positions. The business has room for more and your funders have passed.
- Larger files. $500K+ requests that outgrow your current funders.
- Term products. Established merchants ready for a Business Term Loan, line of credit, SBA or equipment financing.
Full consolidations are the hardest files to place when a merchant carries several positions. Paying off one position or adding new capital is usually the more realistic route, and we will tell you which one the file supports.
What you can expect from us
- Non-circumvention, in writing. Signed before you send the first file. Your merchant is tagged to you.
- A call back within one business day. Every submission gets a real answer: placed, needs more, or declined and why.
- You choose the handoff. Stay on the deal and co-manage, or hand it off and we run it. Either way you’re paid the same split.
- Paid at funding. Commission is set in the partner agreement and paid when the lender funds, not net-30 later.
One Application, Every Product Your Client May Qualify For
RAN is a broker, not a lender. One dedicated specialist takes each file to the lenders in our network whose box it actually fits, so a decline at one bank isn’t a decline for the client.
Working capital & merchant cash advance
$10K – $500K+ · as little as 24 hours after approval
Revenue-based. Underwritten on deposits and card sales, not credit score. Our most common placement.
Business term loans
Up to $2M · up to 3 years
For expansion, acquisitions, and consolidating expensive short-term debt.
Business lines of credit
Up to $2M · draw as needed
Revolving capital for seasonal businesses and clients who want a cushion without a lump sum.
SBA loans
Up to $5M · long terms, lowest cost
For established clients with two years of returns who can wait for the process. We package and place.
Equipment financing
The equipment is the collateral
Kitchens, vehicles, machinery, medical and dental equipment, POS build-outs.
Accounts receivable financing
Advance on open invoices
For B2B clients waiting 30 to 90 days on payment from their customers.
Client qualification criteria: best-fit business clients usually have
- Established businesses only. No startups.
- 1+ year in business
- $20K+ average monthly revenue
- 500+ FICO preferred
- 3 most recent business bank statements (4 in NY, CA or VA)
- A business bank account
- Active revenue and deposits
- Needs $10K–$500K+ in working capital (up to $2M on some products and up to $5M for SBA)
- Any industry, across the U.S.
Ideal use cases
- Tax payments
- Payroll
- Inventory
- Equipment
- Expansion
- Marketing
- Hiring
- Cash-flow gaps
- Seasonal slowdowns
- Paying off higher-cost debt
- Large contracts or purchase orders
Built to Be Easy to Refer To
We pay industry-leading splits, set in writing in the partner agreement and paid every time a referral funds, renewals included.
We supply the one-pager, email copy and a co-branded landing page with your name on it, so referring takes minutes.
Basic referral introductions need no license. Make the intro; we do the rest.
One dedicated specialist reviews the file and calls within one business day.
Working capital moves fast once the client is approved.
No cross-selling and no marketing lists. Your client stays your client.
No fees, no minimums, no quotas. Send one deal or twenty.
One person, one number. Not a rotating call center.
You know where every referral stands, from application to funding.
Give clients an option that doesn’t end in a decline letter.
Your Name Is on the Introduction. We Treat It That Way.
When you refer a client, your reputation rides on how they’re treated. RAN Funding is BBB A+ rated, reviewed at 4.9 out of 5 by 200+ clients on Trustpilot and Google, and every file gets white-glove service from one dedicated specialist.
Accredited and A+ rating with the Better Business Bureau. Look us up before you send your first client; we’d expect nothing less.
Rated by real business owners on Trustpilot and Google. Read what they say about the process before you put your name on a referral.
One dedicated specialist walks your client through every offer, term by term, and keeps you updated. No call center, no hand-offs, no surprises.
A Business Loan Referral Program Built Around Your Clients
Refer a business owner, and a dedicated specialist handles the file from application to funding while you stay informed. Decisions in 24–48 hours.
Business Loan Referral Program
Our business loan referral program is simple: send us an introduction, and we take the file from there. One application reaches a network of funders for working capital, term loans and lines of credit. You keep the client relationship; we keep you updated at every step.
Small Business Loan Referral Program
A small business loan referral program should fit the clients you already serve. Ours works for established businesses with a year of history and $20K or more in monthly revenue, with funding from $20K to $500K+ and decisions in 24–48 hours.
Business Loan Referral Partner
As a business loan referral partner, you get a direct line to a specialist, clear status updates and no paperwork to chase. Accountants, bookkeepers, consultants and insurance agents refer clients who need capital without becoming lenders themselves.
Business Funding Referral Program
The business funding referral program covers every product we broker: merchant cash advances, business term loans, lines of credit and revenue-based financing. Your client sees the total cost before signing, and nothing is pushed that does not fit their business.
Business Lending Referral Program
A business lending referral program for payment-processing reps and ISOs who already talk to merchants every day. Submit the lead, and we handle underwriting conversations, offers and funding while you focus on your core business.
Business Financing Referral Program
Our business financing referral program is BBB A+ rated with 200+ reviews, and it serves business owners across the U.S. Your reputation is on the line with every introduction, so clients get a plain-spoken specialist, no hard-sell and no surprises.
Questions Partners Ask Before They Sign
How much do I earn per deal?
We pay industry-leading referral commission: a percentage of what RAN earns on the funded deal. The exact split depends on partner type and whether you send an introduction or a full file, and it’s spelled out in the partner agreement before you send anything.
Does it cost anything to join?
No. There are no fees, minimums, or quotas. You’re paid when a deal funds, and there’s no cost if it doesn’t.
What do I actually have to send?
For referral partners: the business owner’s name, phone, and a heads-up that we’ll be calling. No licensing is required for a basic introduction. For ISOs: the application and bank statements you already collected. We take it from there.
Will you contact my client without me?
Only about the funding they asked for. We don’t cross-sell, and we don’t add your client to any marketing list. If you’d rather be on every call, tell us and we’ll schedule around you.
I’m an ISO. How do I know you won’t go around me?
You sign a non-circumvention agreement with RAN before your first submission. Your merchants are tagged to you in our CRM, and renewals on those merchants pay you as well.
Who qualifies for funding?
Best-fit clients have 1+ year in business, $20K+ in average monthly revenue, a business bank account with active deposits, and a need for $10K–$500K+ in working capital (up to $2M on some products and up to $5M for SBA). A 500+ FICO is preferred but not required for revenue-based products. This is business financing only, for established businesses: we don’t fund startups, and we don’t do real estate, hard money, or personal loans.
When and how am I paid?
When the lender funds the deal and RAN receives its commission, your share is paid per the schedule in the partner agreement, typically by ACH.
Are you a lender?
No. RAN Funding is a broker. We don’t fund deals ourselves; it is one application for our lender network and one dedicated specialist, and we earn a commission from the lender when the deal funds. That’s what your referral commission comes out of.
How does the business loan referral partner program work?
The business loan referral partner program starts with a short partner sign-up. Once enrolled, you send a client's name and contact or a completed application. A dedicated specialist reaches out, gathers bank statements, presents the file to funders and brings back offers. You receive status updates throughout.
Who should become a business funding referral partner?
A business funding referral partner is usually someone business owners already trust with money: CPAs and bookkeepers, business consultants, insurance agents, payment-processing reps and ISOs. If your clients ask you where to get capital, this program gives you a clear answer and a specialist to hand them to.
Will my client be pressured in the small business loan referral program?
No. In the small business loan referral program, a specialist presents the options, explains terms in plain language and shows total cost before anything is signed. Approval is never promised, and if no offer fits, we tell the client so. Your relationship with the client comes first.
Is the business lending referral program open nationwide?
Yes. The business lending referral program accepts partners and clients across the U.S. Clients need at least one year in business and $20K or more in monthly revenue to be a fit. Partners in any industry that serves business owners are welcome to apply, and there is no cost to join.
Ready to Send Your First Deal?
Sign up in two minutes. We’ll call you within one business day to walk through the agreement.
Disclosure. RAN Funding is a business funding broker, not a lender. We do not make funding decisions or fund deals directly; we submit applications to third-party lenders and are compensated by those lenders when a deal funds. Referral partner compensation is a share of that lender commission and is set in the written partner agreement. Funding amounts, timing, products, and approval depend on the lender and on the applicant’s business. Nothing on this page is an offer of credit or a guarantee of approval or of any commission amount. Partners must not represent themselves as lenders or as employees of RAN Funding, and must comply with all applicable federal and state laws in their referrals.