Welcome to the official website for RJ Funding Services (also known as Rafter J Funding Services). We specialize in helping small businesses, entrepreneurs, and corporations acquire capital and funding with non-traditional business loans, Merchant Cash Advances (MCAs), industry-specific lending, and asset-based loans. From small business owners in need of immediate funding to venture capitalists and aggressive investors looking to fund large and major projects, our team has you covered.

We work with a network of lenders tailored to specific industries such as real estate, automobile dealerships, technology, energy, and construction to serve our diverse client base throughout the United States and Canada. RJ Funding Services can facilitate transactions for everything from equipment leasing to accessing capital for business acquisitions. Our funding and lending programs are designed to meet the unique needs of businesses of all sizes, on fair and ethical terms. We utilize the latest technology to streamline the application process while focusing on old-fashioned client service. In fact, our motto is that “a handshake still matters” in business.

Small Business Lending and Corporate Funding Solutions

Unlike traditional lenders, who adhere to very rigorous and sometimes outdated standards, RJ Funding Services takes a different approach to determining loan eligibility. When determining a business or investor’s eligibility for funding, we take a comprehensive approach to evaluating the vitality and salability of a business. We take receivables, inventory values and real estate appraisals, as well as a firm or company’s longevity into account. Due to our wide selection of offerings, many business owners and entrepreneurs can receive capital they would otherwise not have access to from traditional lending institutions.

Learn How Alternative Lending Can Help You

Browse our website to learn more about our team and our many services. You can submit a loan application online or call (325) 942-8685 to speak with a courteous and knowledgeable member of our team.


Our founder and president, Stephen F. Williams places a high priority on professional development. By joining and contributing to associations that benefit business owners, consumers, and alternative lenders, our team at RJ Funding Services (also known as Rafter J Funding) can provide our diverse client base with factual and current information as well as promote …

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