Small Business Loans, Decisions in Hours
$20,000 to $500,000+ through one 60-second form. Funding in as little as 24–48 hours, and a dedicated specialist who explains every term before you sign. Built for established small businesses with 1+ year in business and $20K+ in monthly revenue. Quick small business loans from $20K to $500K+, with same day small business loans available on some products.
- Funded in as little as 24–48 hours once approved.
- Credit is considered, not decisive. Revenue-based options weigh your deposits more heavily than your score.
- Just 3 months of business bank statements to receive offers.Some states require 4 months.
See Which Small Business Loans 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
Loan amount, 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
Term, payment and total cost side by side. No jargon, and nothing is signed until you understand every line.
Step04Get funded
Sign electronically. Most files fund in as little as 24–48 hours of approval.
One Application, Every Small Business Loan Option
One 60-second form puts your file in front of our full lender network. Here is what small business loans can cover.
Small Business Loans for Cash Flow
Cover payroll, inventory, taxes or a slow month, with a repayment schedule matched to how your business earns.
Small Business Loans for Growth
Fund expansion, hiring, a new location or a bulk inventory purchase.
Small Business Loans for the Unexpected
Handle an emergency repair, a large supplier invoice or an opportunity that will not wait.
Established Businesses Qualify Fastest
Three things decide the menu of offers. Most businesses we fund have been operating a year or more with $20K+ in monthly revenue.
Credit is considered, not decisive. Revenue-based options weigh your deposits more heavily than your 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, and funding in as little as 24–48 hours.
One specialist, start to finish
A named person who knows your file, answers the phone and explains every term.
Offers you can compare
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.
Small Business Loans for Established Business Owners
One application reaches a network of funders. Your specialist brings back fast small business loans online, with decisions in 24–48 hours.
Quick Small Business Loans
Apply online in minutes, upload bank statements, and let one application reach funders across our network. Quick small business loans from $20K to $500K+ come back with decisions in 24–48 hours, and your specialist shows the total cost before you sign, so there are no surprises later.
Same Day Small Business Loans
Some products fund the day you sign. For small business loans same day funding is most realistic when you apply early, your statements are ready, and your deposits are steady. Tell your specialist the deadline and the file is routed to funders that move at that speed.
Emergency Small Business Loans
Equipment down, payroll due, a tax bill you did not expect. An urgent small business loan exists for weeks like that. We review your file the day it arrives and return options quickly, so an emergency small business loan becomes a decision you make on real offers, not a hope.
Short Term Small Business Loans
Short term structures run from a few months to about a year, so you repay while the revenue the money generated is still coming in. They fit seasonal buys and one-time needs. If you want longer, your specialist can also show term loans of up to 3 years with fixed payments.
24 Hour Small Business Loans
A small business loan in 24 hours is possible on some products for established businesses with clean statements. Apply before noon, respond to your specialist quickly, and sign the same day. Otherwise, next day small business loans are the common result for complete files.
Small Business Loans for Established Business
Built for businesses with 1+ year in operation and $20K+ in monthly revenue. Funders in our network weigh revenue and time in business over collateral, and we start with a soft credit check, so you see your options without affecting your score or committing to anything.
Small Business Loans: What Changed and What It Costs Now
Small Business Loan Rates in October 2026
The prime rate has been 7.00% since September 17, 2026, after the Federal Reserve’s first hike since 2023; the next decision is October 28. Variable products (bank lines, SBA 7(a), HELOCs) moved up a quarter point in September; fixed-rate and factor-rate products you already hold did not. Full scenarios in prime rate is 7%: what it means for business loan rates.
| Product | How it is priced | Typical cost at Prime 7.00% | Speed |
|---|---|---|---|
| Business line of credit | Prime + 1 to 4 (bank); fee per draw (online) | 8% – 11% bank; 8% – 36% APR equiv. online | 1 – 3 days online |
| Business term loan | Fixed rate set at funding | 7% – 11% bank; 10% – 36% APR online | 2 – 5 days online |
| Working capital / revenue-based | Factor rate, fixed payback | Factor 1.15 – 1.45 | 24 – 48 hours |
| Merchant cash advance | Factor rate, repaid from sales | Factor 1.15 – 1.50 | Same day – 48 hours |
| Equipment financing | Fixed rate set at funding | 9.9% – 24% APR | 2 – 7 days |
| SBA 7(a) | Prime + 3 to 6.5 (capped) | 10.00% – 13.50% | 30 – 60 days |
| Business HELOC | Prime + 0 to 2 | 7% – 9% | 5 – 10 days |
Small Business Loan Approval Odds in 2026
Of the 38% of small employers that applied for a loan, line of credit or cash advance in the Fed’s 2026 survey, 81% were approved for at least part of the request and 42% in full. Equipment loans (71% fully approved), merchant cash advances (48%) and lines of credit (45%) were the most-approved products; SBA loans (37%) and term loans (35%) the least. Small banks approved the most files in full (57%). Which product is easiest for your file, and why, is in easiest business loans to get; the full data is in business loan approval rates in 2026.
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.
Small Business Loan Guides by Situation
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Straight Answers Before You Apply
How fast can I actually get funded?
Small business loans can fund in as little as 24–48 hours once approved, depending on the lender and your file. Your specialist tells you the realistic timeline for your file before you commit to anything.
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 small business loan?
Most applicants receive decisions in 24–48 hours, and same-day funding is available on some products. A same day small business loan requires a complete application early in the day and a signed agreement before the funder's cutoff, so have three to four months of business bank statements ready when you apply.
Can I get fast small business loans online without a hard credit pull?
Yes. Every file starts with a soft credit check, so comparing fast small business loans online through RAN Funding does not affect your score. Funders look mainly at monthly deposits and time in business, and your specialist shows the total cost before you sign anything.
What qualifies as an emergency small business loan?
Any funding need that cannot wait on a bank's timeline: a repair, a payroll gap, an inventory shortfall before a key weekend. Emergency small business loans through our network are reviewed the day they arrive, and some products fund the same day or the next business day.
Do you work with newer businesses?
Our funders are set up for established businesses, meaning 1+ year in operation and $20K+ in monthly revenue. Small business loans for established business owners at that level typically come with several offers to compare, from a working capital advance to a term loan or a line of credit.
Ready When You Are
One minute to see your options. A specialist calls back during business hours, Monday to Friday, 9am to 6pm ET.