Business Term Loans, Funded in Days
$20,000 to $2,000,000 in one lump sum through one 60-second form. Fixed payments, terms up to three years, and a dedicated specialist who explains every term before you sign. Fast business term loans from $20K up to $2 million, with terms up to 3 years and decisions in 24–48 hours.
- Fixed, predictable payments you can plan around.
- Built for planned growth. Expansion, equipment, hiring, a new location or refinancing costlier debt.
- Start with a 60-second form, then bank statements and tax returns.No obligation to accept.
See What You Qualify For
Takes about a minute. No obligation, and applying won’t affect your credit.
From Application to Term Loan in Four Steps
The same process we have run for more than 10,000 businesses.
Step01Tell us what you need
How much you need, what it is for, 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 term loans fund within a few days of approval, once your statements and tax returns are verified.
One Application, Every Term Loan Option
One 60-second form puts your file in front of the term loan lenders in our network. Here is what a business term loan can do once you are approved.
A Lump-Sum Business Term Loan
Lump sum repaid over up to three years, for planned investment.
Term Loans for Expansion
Fund a new location, renovations, hiring or equipment, with a term length matched to how the money is being used.
Term Loans to Refinance Debt
Refinance more expensive short-term debt or buy inventory in bulk with a business term loan.
Most Established Businesses Do
Three things decide your term loan 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!
Fast Business Term Loans with Predictable Monthly Payments
A term loan for small business owners who want one lump sum and a fixed schedule. One application, a dedicated specialist and offers from a network of funders in 24–48 hours.
Long Term Business Loans
Long term small business loans spread a large purchase over up to 3 years so the payment fits your monthly cash flow. Fast long term business loans are still underwritten on bank statements rather than collateral, and quick long term business loans can fund within days of your application, not months.
Fast Business Term Loan
A fast small business term loan gives you a set amount, a set schedule and a clear payoff date. A quick business term loan arranged through RAN Funding typically comes back with decisions in 24–48 hours because one application reaches multiple funders at the same time.
Same Day Business Term Loan
Apply early with recent bank statements and a same day small business term loan is possible on some offers. A business term loan in 24 hours is more typical for most files; your specialist confirms the timeline up front and shows the total cost before you sign.
Next Day Business Term Loan
Larger amounts and longer terms sometimes need a second look from the funder. A business term loan in 48 hours is the usual outcome in that case. If you need an immediate business term loan, tell your specialist so they can route your file to funders known for fast closings.
Urgent Business Term Loan
A quick small business term loan can replace an aging truck, pay a tax bill or buy out a partner before the deadline passes. Established businesses with 1+ year in business and $20K+ in monthly revenue qualify to see options with a soft credit check.
Term Loan for Small Business
A term loan for small business expansion, equipment or working capital keeps payments predictable while you grow. Amounts run from $20K up to $2 million for strong files, with no real estate or hard money involved. Your specialist shows the total cost before you sign.
Business Term Loans: What Changed and What It Costs Now
Business Term 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.
| Lender type | Rate | Term | Payment on $250,000 (5 years) | Time to fund |
|---|---|---|---|---|
| Bank | 7% – 11% | 3 – 10 years | $4,950 – $5,440 | 3 – 8 weeks |
| SBA 7(a) | 10.00% – 13.50% cap | Up to 10 years (25 real estate) | $5,312 – $5,750 (10-yr: $3,304 – $3,805) | 30 – 60 days |
| Online, strong file | 10% – 20% | 2 – 5 years | $5,312 – $6,620 | 2 – 5 days |
| Online, standard | 20% – 36% | 1 – 3 years | $6,620 – $9,030 | 2 – 5 days |
Compare offers with the business loan payment calculator; the full guide is business term loans: rates, terms and requirements.
Term Loan Approval Odds and How to Improve Them
Business term loans were approved in full for 35% of applicants in 2026, partially for 35% and denied for 30%, the hardest unsecured product in the Fed’s survey. The files that get approved in full share four traits: one to two years of history, personal credit of 600 to 680 or higher, monthly deposits of $15,000 or more, and a request sized to cash flow coverage of about 1.25 times the payment. Collateral turns a partial into a full approval; equipment loans were fully approved for 71%.
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.
See business term loan requirements, SBA loan vs term loan and, in Florida, business term loans in Florida.
Straight Answers Before You Apply
How fast can a business term loan fund?
Most business term loans fund within a few days of approval, once bank statements and tax returns are verified.
What can I use a business term loan for?
Planned investments that pay off over time: expansion, equipment, renovations, hiring, opening a new location, buying inventory in bulk, or refinancing more expensive short-term debt. Your specialist matches the term length to how the money is being used.
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 for a term loan?
Right now, just the one-minute form on this page. To receive term loan offers, a specialist will ask for recent business bank statements, business tax returns and a one-page signed application. Larger amounts may also need financial statements.
What credit score do I need for a term loan?
Business term loans generally need a score of 680 and above. Your score is one factor; lenders also weigh revenue and time in business.
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 long can long term business loans run?
Long term business loans arranged through RAN Funding run up to 3 years, with fixed payments on a set schedule. Fast business term loans of this kind are approved on your bank statements and time in business rather than collateral. Your specialist shows the total cost before you sign so you know the full repayment picture up front.
How quickly can I get a fast business term loan?
A fast business term loan typically gets a decision in 24–48 hours, and a same day business term loan is available on some offers when you apply early with complete documents. Because one application reaches a network of funders, you compare several term loan offers side by side instead of waiting on one bank.
Can I get a business term loan in 24 hours with 1 year in business?
Yes. A business term loan in 24 hours is possible for established businesses with 1+ year in business and $20K+ in monthly revenue. Submit three to six months of bank statements with a one-page application and your specialist pursues an urgent business term loan from funders known for fast closings, with a soft credit check to see options.
What is the difference between a next day business term loan and a line of credit?
A next day business term loan gives you one lump sum with fixed payments over up to 3 years, which suits a single large purchase. A line of credit is revolving: you draw and repay as needed. Owners who want a quick business term loan usually know exactly how much they need and prefer a predictable payoff date.
Ready When You Are
One minute to see your term loan options. A specialist calls back during business hours, Monday to Friday, 9am to 6pm ET.