Revenue-Based Financing, Funded in Hours
$20,000 to $500,000+ based on your revenue through one 60-second form. Approval is based on your deposits, not your credit score, and a dedicated specialist explains every term before you sign. Revenue based financing for small business owners, from $20K to $500K+, with remittances that flex with your sales.
- Same-day funding available on some products.
- Any credit profile considered. Revenue-based financing is underwritten on your deposits, not your score.
- Just 3 months of business bank statements to receive revenue-based 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 Funding in Four Steps
The same process we have run for more than 10,000 businesses.
Step01Tell us what you need
How much 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. Same-day funding on select products; most files fund within 24 to 48 hours of approval.
One Application, Every Revenue-Based Option
Rates start at the figures shown and are quoted on your file. Revenue-based financing is priced on your sales history; the same form also reaches lines of credit and term loans.
Revenue-Based Financing
Capital advanced against your future revenue, not a loan. Repaid as a share of sales or a fixed daily or weekly amount, priced with a factor rate.
Working Capital Loan
Short-term working capital for payroll, inventory, taxes or a slow month. Fixed daily or weekly payments and same-day approval.
Business Line of Credit
Draw what you need, pay interest only on what you use, and redraw as you repay.
Business Term Loan
Lump sum repaid over up to three years, for planned investment.
Most Businesses Do
Three things decide your revenue-based offers. None of them is a perfect credit score.
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
Rate, term, payment and total cost side by side, in writing, before you sign.
Repayment that fits
Daily, weekly or monthly 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!
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 Revenue Based Financing Sized to Your Monthly Sales
Revenue based business funding gives you capital now and repays as a share of what you bring in. One application, a dedicated specialist and offers in 24–48 hours.
Revenue Based Financing for Small Business
Revenue based business financing is underwritten on your deposits, not your collateral. Business revenue financing of this kind suits restaurants, contractors, medical practices and retailers with steady monthly sales who want funding without pledging property or equipment.
Revenue Based Business Funding
Fast revenue based funding moves at the pace of your opportunity. Quick revenue based funding offers typically arrive within a business day, and same day revenue based funding is available on some products when you apply early with three to six months of bank statements.
Fast Revenue Based Financing
Quick revenue based financing is built for owners who need capital this week. Same day revenue based financing is possible on some offers, and urgent revenue based financing requests are routed to funders known for quick turnaround. Your specialist shows the total cost before you sign.
Revenue Based Business Loan
A fast business loan based on revenue is approved on your sales history rather than a long credit review. Fast revenue based business loans, quick revenue based business loans and same day revenue based business loans all follow the same one-application process through RAN Funding.
Next Day Revenue Based Funding
Apply in the afternoon and next day revenue based business funding is the usual outcome. Your specialist confirms the timeline before you commit, and because remittances rise and fall with your sales, a slow week does not create a fixed-payment squeeze.
Immediate Revenue Based Financing
Immediate revenue based financing fits established businesses with 1+ year in business and $20K+ in monthly revenue that need capital for inventory, payroll or a growth step now. Offers from multiple funders are presented side by side so you can choose the structure that fits.
Revenue-Based Financing: What Changed and What It Costs Now
Revenue-Based Financing Costs and Odds in October 2026
Revenue-based financing is priced with a factor rate (1.15 to 1.45 for most files) and repaid as a fixed weekly or daily remittance over 4 to 18 months; it is not tied to the prime rate, so the September hike left existing contracts unchanged. It is underwritten on three months of bank statements, which is why it approves from about 500 personal credit and a year in business (sometimes six months), and why it is one of the most-approved products in the Federal Reserve’s 2026 survey.
| Profile | Typical factor | Term | Advance size |
|---|---|---|---|
| 2+ years, 650+, no positions | 1.15 – 1.22 | 9 – 18 months | Up to 1.5x monthly deposits |
| 1+ year, 600 – 649 | 1.22 – 1.32 | 6 – 12 months | About 1x monthly deposits |
| 6 – 12 months, 500 – 599 | 1.32 – 1.45 | 4 – 8 months | 0.7 – 1x monthly deposits |
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.
Compare with the alternatives in revenue-based financing vs merchant cash advance, vs traditional business loans and bad credit business loans.
Straight Answers Before You Apply
What is revenue-based financing?
Revenue-based financing gives your business capital based on its sales history instead of its credit score. Funders look at your monthly deposits, advance a lump sum, and collect repayment from future revenue, either as a share of sales or as a fixed daily or weekly amount. The total payback is set before you sign.
How much revenue do I need?
Consistency matters more than size. Offers are sized from your average monthly deposits, so larger, steadier revenue unlocks larger amounts. Businesses bringing in under $20,000 a month generally do not qualify.
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 term-loan or SBA 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 for revenue-based products; term loans and SBA need tax returns and financials.
What credit score do I need?
Revenue-based financing is underwritten on your deposits and is available from a 500 score. Business lines of credit start around 650, and term loans generally need 680 and above. A low score narrows the menu; it rarely closes it.
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 does revenue based financing for small business work?
Revenue based financing for small business owners provides a lump sum now in exchange for a share of future sales until the agreed amount is repaid. Remittances flex with your revenue, so slower periods mean smaller payments. Revenue based business financing is approved on bank statements, and your specialist shows the total cost before you sign.
How fast can I get a revenue based business loan?
A revenue based business loan typically gets decisions in 24–48 hours, and same day revenue based financing is available on some products when you apply early. One application reaches a network of funders, so fast revenue based business loans arrive as several offers you can compare rather than a single take-it-or-leave-it approval.
Who qualifies for fast revenue based funding?
Fast revenue based funding is available to established businesses with 1+ year in business and $20K+ in monthly revenue. Funders focus on deposits and sales consistency, so a soft credit check is enough to see options. Quick revenue based business loans are common from $20K to $500K+ across the U.S. in most industries.
What is the difference between revenue based business funding and a term loan?
Revenue based business funding repays as a percentage of sales, so the amount flexes with your month. A term loan has fixed payments on a set schedule up to 3 years. Owners who choose quick revenue based financing usually have seasonal or variable sales and want payments that follow their cash flow instead of a fixed number.
Ready When You Are
One minute to see your revenue-based financing options. A specialist calls back during business hours, Monday to Friday, 9am to 6pm ET.