SBA loans
Government-backed funding, at the longest terms we offer
An SBA loan is partially guaranteed by the Small Business Administration, which is what makes the longer terms and lower rates possible. We work with you and the SBA to find the plan that fits.
What is an SBA loan, and how is it different?
An SBA loan is a business loan partially guaranteed by the U.S. Small Business Administration. That government guarantee is what lets lenders offer larger amounts over much longer terms at lower rates than they otherwise could. RAN Funding arranges SBA loans from $50,000 to $10,000,000, with interest from Prime plus points and terms of 5 to 25 years. The trade-off is speed and paperwork: expect 30 to 60 days to fund, 2 years in business, $250,000+ annual revenue shown on two years of business tax returns, a 680+ credit score, and no bankruptcies or outstanding collections.
A safety net that unlocks more capital
An SBA loan provides a partial guarantee backing part of the loan secured for your business. That guarantee is what lets lenders offer larger amounts over longer terms than they otherwise would. Our SBA marketplace loans are secured by both the business and a personal guarantor.
Purchase inventory, renew your equipment, buy real estate — capital is available to help your business thrive. Our team takes the time to learn exactly what your business requires, and to tell you honestly whether an SBA loan is the right route.
What to have ready before you apply
Documents required
- Personal tax returns for 2 years
- Business tax returns for 2 years
- Bank statements
- Voided business check
- Profit and loss statement
- Driver’s license
Qualifications
- Time in business: 2 years
- Annual revenue: $250,000+ (2 years of tax returns)
- Credit score: 680+
- No bankruptcies
- No outstanding collection accounts
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.
The lowest-cost route, for owners who can wait
SBA-backed loans carry the longest terms and lowest rates we place, in exchange for a fuller file and a longer process. A specialist tells you up front whether your business is a realistic candidate before you spend weeks on paperwork.
- From $10,000. Every product we place starts at ten thousand dollars.
- Three months of statements. Your last three business bank statements to start; some states require four.
- One specialist. The same person from application to funding — paid by the funder, not by you.
Not quite right? Compare the alternatives
One application puts you in front of all of these. A specialist will point you to the ones that fit.