Logo, Rafter J Funding - Cash Advances (325)942-8685


Speedy Business Loans & Cash Advances

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Cash Advances

Remit your business's credit card sales automatically with our merchant cash advances. With Rafter J Funding Services and it's partners, receive much needed cash as well as a helpful service that takes care of the remittance process for you.

Loan Service - Business Loans

Loan Services

Buy that top-of-the-line industrial stove for your restaurant with our business loan services. When you receive a loan from us, you will have the funds in your hands in as little as a day to cover your business expense.

More Than 25 Years of Experience

Certified Payments Professional (CPP)

Guaranteed Funding Program - Business Loans


In the Alternative Funding Business Environment, the Rule of Thumb is that the Lender will fund 5% to 10% of your annual gross sales. This Rule applies to Small Business Loans as well as Merchant Cash Advances ( Advances based on Credit Card Volume ). With this program, the Lender will Fund up to Double that Amount. As an example for instance if a business Annual Gross Sales is $300,000, the Rule of Thumb is that this business would qualify for a loan of $15,000 to $30,000 (Small Business Loan ) or if Annual Gross Credit Card Sales is $300,000 they would qualify for a Cash Advance of $15,000 to $30,000. With this program the Loan Amounts Above Would Be Doubled!  Lender will agree to purchase your receivables 8 times during the course of a year.  Which means you will have access to new funds every 6 weeks, Guaranteed! Basically you get your funds spaced out over an 8 installments every 6 weeks, Guaranteed!!


Sell Your Future Receivables for Immediate Cash
All businesses have receivables, now you can sell your future receivables for immediate working capital.
This plan includes businesses who have Credit Card Transaction income.


Guaranteed Funding Program
A new way of selling your receivables for immediate Financing,  in as quick as 24 Hours.
Unlike other sources of business financing we use a cash flow model rather than a credit score model.
- Any type of business is ok

- No credit score requirement

- Bankruptcy, Tax liens & Judgments are ok too

Lender will agree to purchase your receivables 8 times during the course of a year.  Which means you will have access to new funds every 6 weeks, Guaranteed!




$25M to $500M--Major Developments Project Funding



Re: $3M and Larger Funding for International Projects  

If your company has a large funding need, securing the financing through a traditional bank or other traditional channel can be very difficult today. As such, we assist Clients and brokers in their attempt to secure funding on $3M and larger funding requests that may require innovative financing and structuring. 

However, our specialty is LARGE PROJECT FINANCING ,working on $25M (USD) to $500M (USD)
and larger funding requests. The overall value that our financial team brings to that assignment is creative thinking, underwriting expertise, and strategic relationships. We are looking for projects that possess: 

  • A strong management team
  • A viable business plan
  • Good growth potential
  • Clients with at least 10% of their own equity into the project (there are exceptions to this)
  • Ability to create value
  • Ability to generate cash with acceptable projected net income
  • Proven technology (if it is an alternative energy project)
  • A clearly defined exit strategy (unless it is a build/hold and operate 


        $25M to $500M Project Funding Range.

  • North America, Australia, Puerto Rico, Panama & Caribbean only
  • Specialists involved have a history of funding this type of program
  • Independent project consultant success fees will apply. The project and the independent consultants may negotiate this compensation in the form of a fee, equity, or a combination of both.

We realize every project is different. So, our team does the necessary business and risk analysis to architect the financing solution that best serves

your individual company and project.

We have relationships with Lenders and Lender/Investor underwriting sources who serve their Clients and who get many projects funded every year.


Real Estate Secured Loans


Access the capital you need.
Borrowing from banks is a challenge for most real estate owners and investors.  That's why Rafter J Funding Services and its affiliates provides capital to real estate investors and others who have significant equity in their property, and a need for short term capital.  Essentially, we provide financing to individuals with circumstances or opportunities that don't fit well within the rigid structure of most financial institutions.
Whether you're an investor (buy it, fix it, sell it) looking for acquisition and rehab capital, or a property owner needing access to the equity in your property, our short term (typically two years or less) loans are designed to meet your needs.
Often referred to as "Private Money," "Hard Money," or "Bridge" loans, our loans offer greater flexibility than traditional banks' loans and are specifically designed for those who own, buy and invest in property and real estate projects. 




Get paid now.
In a perfect world, all your customers would pay their bills right away. In the real world though, that's just not the case. It can take 30, 60 or even 90 days or more to get paid. Why wait?
Rafter J Funding Services and its affiliates factoring program lets you turn your accounts receivable into immediate cash.
How Rafter J Funding Services and its affiliates Factoring Program Works
The basic idea is simple. You complete your sale and bill your customer. Rafter J Funding Services in conjunction with its affiliates will then purchase the invoice from you, advance you a percentage of the invoice total, and then wait to get paid. Once we are paid for an invoice, we take a small fee and remit the remaining money back to you.
Benefits of Factoring
•    Quick access to a steady cash flow.
Once approved, Rafter J Funding Services in conjunction with its affiliates can give you access to your cash within 24-48 hours.
•    Credit issues are not a problem.
Credit is established based on the credit worthiness of your customers, not on your company's financial history.
•    Coverage under our credit insurance policy.
We can offer you credit insurance protection on your invoices - we can help you manage your credit risk.
•    Coordination with your bank.
If you have an existing credit line, that's not a problem. We can work with your current bank in order to facilitate factoring transactions.
•    No liability on your balance sheet.
Because we are giving you access to money that is already owed to you, factoring does not create a financial liability on your company's balance sheet.
•    Flexibility.
Our program gives you the ability to manage your cash flow. You fund what you want when you want.
•    Take trade discounts to improve your purchasing power.
•    Online reporting available 24/7.


Asset Based Lending


Turn your company assets into flexible credit.
When you need financing, your company assets make great collateral. Rafter J Funding Services and its affiliates asset based lending service simply leverages your current assets, such as inventory and accounts receivables, to give you access to a flexible, revolving line of credit.
Rafter J  Funding Services and its affiliates asset based lending offers you:
•    Borrowing power up to $10,000,000.
Credit lines range from $1,000,000 to $10,000,000 (or $20,000,000 with a participant). The amount of credit you can receive is based on the total value of your assets, as determined by you and our staff of financial experts.
•    Freedom to focus on growing your business.
Funds can be used for all business-related expenses, from purchasing raw materials and equipment to hiring additional staff and marketing your company.


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RJ Funding Services Now Offers Business Acquisition Funding

Are you looking to invest in an existing business? Whether you are seeking to buy a small business to control and manage as your own or if you are looking for an investment that already has a solid customer base and strong management, you will likely need business acquisition funding. Sometimes, entrepreneurs and even investors shy away from purchasing an existing business because they fear they lack the capital necessary to secure financing. Fortunately, there are methods for financing the acquisition of an existing business.

Acquisitions and Acquisition Loans
In the investment world, large companies can be acquired. Sometimes a very large conglomerate will purchase assets or the proprietary rights of a competitor. In other cases, a big corporation may absorb another company altogether as a subsidiary of a parent company.

On the other hand, acquisitions don’t always involve Fortune 500s and multinational corporate empires. They can include small- and medium-sized businesses as well. From purchasing a franchised storefront to a successful, family-operated restaurant, acquiring existing businesses happens at every level of entrepreneurship.

Investopedia, a popular online encyclopedia for business owners, defines an acquisition loan as “a loan given to a company to purchase a specific asset or to be used for purposes that are laid out before the loan is granted. The acquisition loan is typically only able to be used for a short window of time, and only for specific purposes.”

How RJ Funding Can Help
RJ Funding Services (formerly known as Rafter J Funding Services) is a company dedicated to providing conventional and alternative financing to business owners in an array of industries. From asset-based loans and Merchant Cash Advances (MCAs) to funding for large and major projects, our team has experience working with entrepreneurs and investors with diverse needs. In addition to our other popular offerings, RJ Funding Services now offers business acquisition loans. Our mission is to provide excellent client service on ethical terms so that investors and business owners can secure the capital they need to develop and improve their operations.

Call us today at (325)942-8685 to speak with a knowledgeable member of our team. We work with clients throughout the United States and Canada.

Business Equipment Leasing

Equipment Lease Types

Commercial Lease (Business Equipment Lease)

Use Rafter J Funding Services for your next business equipment lease! Our options are an affordable way to finance your business equipment.  We can provide the monthly payment that will fit into your budget.

We specialize in providing equipment leasing for products with a selling price starting as low as $500 up to $500k.

Small business equipment leasing, is it right for you?  80% of all U.S. companies use equipment leasing
7 of 10 small business owners start with less than $20,000 in working capital


Lease-to-Own is a financial services solution that provides for ownership of the equipment following the receipt of all scheduled payments. Technically, the lease payment for a Lease-to-Own contract is calculated over a period of time that is three months less than the typical lease term, (33 months vs. 36 months) and the last three payments that are made encompass the purchase of the equipment. Payments are more expensive than a FMV transaction, however, the Lessee owns the equipment outright once all contracted payments have been made.

Fair Market Value Equipment Lease (FMV)

Fair Market Value (FMV) equipment lease solution provides for the lowest payments possible, while delivering access to critical equipment for a defined period of time. At the end of that period of time, and after all scheduled payments have been made, the Lessee (user of the equipment) can take advantage of one of three options: return the equipment, purchase the equipment for a specific amount (typically 3 additional payments) or continue to rent the equipment on a monthly basis.

$1 Buyout Equipment Lease

$1 Buyout Equipment Lease is similar to Lease-to-Own in that ownership is passed after the last payment has been made. However, the full term of the contract is utilized to calculate payments, and there is only a single dollar payment requirement to be made at the end of the contracted lease period. $1 Buyouts are only available in certain states and industries. Contact us for details.

Industry-Specific Special Programs & Promotions

The Fundamentals of Leasing Business Equipment

What it is: From computers and heavy machinery to complete offices, it is possible to lease almost anything for your business. Equipment leasing can provide a lifeline for cash-strapped businesses in need of the tools of the trade.

How to get it: Equipment leasing is basically a loan in which the lender buys and owns equipment and then "rents" it to a business at a flat monthly rate for a specified number of months. At the end of the lease, the business may purchase the equipment for its fair market value (or a fixed or predetermined amount), continue leasing, lease new equipment or return it.

Upside: Advantages include getting your hands on needed equipment without paying the costs up front. Lines of credit stay freed up because the leases are not bank loans, and lease payments can potentially be deducted as a business expense. It is also possible to easily upgrade equipment once a lease expires.

Downside: Leasing can be appropriate for any business at any stage of development. But when it comes to startup businesses, it is likely the owner will be obliged to put his or her personal credit on the line in order to secure the lease.

Other downsides include a higher price over the long term, and the lease commits you to keep the equipment for a period of time.

Still, the Equipment Leasing and Finance Association estimates that four-fifths of businesses at least lease some of their equipment -- a testament to the usefulness of the practice.

More Tips:

A company selling equipment is often able to make a direct referral to a leasing company with which it does business.

It is a good idea to get a quote from the leasing firm referred by the company that wants to sell you the equipment. The quote should be competitive. After all, the company selling products wants to sell as many as possible, and it surely doesn't win any points by referring a leasing company that gouges its customers. But it also pays to get another quote so please consider Rafter J Funding Services giving you a quote.

Keep in mind that the person making the leasing agreement may be a broker and not be the source of the equipment. Rafter J Funding Services is a broker.

A good rule of thumb is to deal only with financing sources that have operated at least as long as the term of the proposed lease. Get picky when it comes to the terms, especially when it comes to casualty insurance to cover equipment damage and responsibility when it comes to paying personal property tax or handling repairs.


Best - Top 30 Merchant Cash Advance Companies - Speedy Business Loans & Cash Advances

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Member of San Angelo Better Business Bureau, Texas Restaurant Association®,
San Angelo Restaurant Association.


91439986 106829403 NAELB 106831657

We believe that “A Handshake Still Matters”.

Stephen F. Williams, the owner and founder of Rafter J Funding Services grew up in West Texas and knows West Texas values. He is a Veteran of 26 1/2 years in the United States Navy and the Submarine Force and Retired as a Master Chief Submarine Sonar Technician Submarine Qualified.

Mission Statement

Rafter J Funding Services is deeply devoted to bringing honesty and ethical standards back into the business relationship. At one time, "a handshake really mattered" in doing business. Rafter J Funding Services still believes in those values and pledges honesty and integrity in every transaction.
Contact our funding company today for more information about our business loan and cash advances services that get you the funds you need.