Business Working Capital, Funded in Hours
$20,000 to $500,000+ in working capital through one 60-second form. Same-day funding on select products, and a dedicated specialist who explains every term before you sign. Built for established companies with 1+ year in business and $20K+ in monthly revenue. Fast business working capital from $20K to $500K+, with same day business working capital available on some products.
- Same-day funding available on some products.
- Built for established businesses. Revenue-based working capital is underwritten on your business deposits.
- Just 3 months of business bank statements to receive working capital 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 Working Capital in Four Steps
The same process we have run for more than 10,000 businesses.
Step01Tell us what you need
How much working capital 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 Working Capital Option
One 60-second form puts your file in front of the working capital lenders in our network. Here is what working capital funding covers.
Working Capital Loan
Short-term working capital for payroll, inventory, taxes or a slow month. Fixed daily or weekly payments and same-day approval.
Working Capital for Payroll and Inventory
Keep payroll, rent, supplier invoices and inventory covered while you wait on a large receivable.
Working Capital for a Slow Season
Bridge a slow season, a tax bill or an unexpected repair, with a repayment schedule matched to how the money is used.
Most Businesses Do
Three things decide your working capital offers. Most businesses we fund have been operating a year or more with $20K+ in monthly revenue.
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!
Business Working Capital Loan Options for Small Businesses
Working capital for small business should not take weeks. One application reaches our network of funders, and your specialist brings back offers in hours.
Business Working Capital Loan
A business working capital loan covers the everyday gaps: payroll before a big invoice clears, inventory before a busy season, repairs that cannot wait. Submit one application and your specialist shows business working capital financing options from $20K to $500K+, with the total cost before you sign.
Same Day Business Working Capital
Some products fund the same day you sign. If you need business working capital in 24 hours, apply early with your bank statements ready and tell your specialist the deadline. Same day working capital for small business is realistic when deposits are steady and documents are complete.
Fast Working Capital Loan for Business
If you are thinking, I need working capital for my business fast, start with a soft credit check to see your options without affecting your score. Most files get decisions in 24–48 hours, and next day business working capital is common for established businesses that apply before noon.
Emergency Business Working Capital
A truck breaks down, a cooler fails, a customer pays 45 days late. Urgent business working capital exists for weeks like that. We review your file the day it arrives and return immediate business working capital options, so you are choosing between real offers instead of waiting on a bank.
Short Term Business Working Capital
Short term structures repay over a few months to about a year from daily or weekly sales, so the obligation ends while the revenue it generated is still coming in. Quick business working capital like this suits seasonal businesses and one-time needs better than a multi-year loan does.
Working Capital Funding for Business
Small business working capital comes in several shapes: a working capital advance, a term loan of up to 3 years, or a business line of credit you draw on as needed and reuse as you repay. Your specialist explains each one in plain terms and shows the total cost before you sign.
Straight Answers Before You Apply
How fast can I actually get working capital?
Working capital loans can fund the same day the paperwork is complete. Your specialist tells you the realistic timeline for your file before you commit to anything.
What can I use business working capital for?
Anything that keeps the business running or growing: payroll, inventory, rent, taxes, supplier invoices, equipment repairs, marketing, or bridging a slow season or a large receivable. Funders do not restrict use for revenue-based working capital, and your specialist will match the repayment schedule 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?
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 working capital for my small business?
Most applicants see decisions in 24–48 hours, and same-day funding is available on some products. For fast business working capital, apply with three to four months of business bank statements attached, so funders in our network can review revenue right away instead of waiting on documents.
What do I need to qualify for a business working capital loan?
Funders in our network focus on revenue and time in business rather than collateral. Most look for 1+ year in operation and $20K+ in monthly deposits. Working capital for small business through RAN Funding starts with a soft credit check, so reviewing your offers does not affect your score.
Is a working capital advance the same as a business working capital loan?
They solve the same problem differently. An advance is repaid from a share of future sales, while a business working capital loan has fixed payments and a set term. Your specialist presents both kinds of business working capital financing so you can compare payments and total cost before you sign.
Can I get same day working capital for small business?
On some products, yes. Same day working capital for small business usually requires a complete application early in the day, clean statements, and a signed agreement before the funder's cutoff. Otherwise, next day business working capital is the common outcome for established businesses with complete files.
Ready When You Are
One minute to see your working capital options. A specialist calls back during business hours, Monday to Friday, 9am to 6pm ET.