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


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 Unlike traditional lenders, who adhere to very rigorous and sometimes outdated standards, RJ Funding Services takes a different approach to determining loan eligibility.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 (855) 461-1685 to speak with a courteous and knowledgeable member of our team.

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!



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

Click above for Best Top 30 Merchant Cash Advance & Small Business Loan Companies!


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


91439986 Click for the BBB Business Review of this TBD in San Angelo TX 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.