About Us

RJ Funding Services (also known as Rafter J Funding) is a reputable alternative lending firm that works with clients throughout the United States and Canada. Specializing in providing capital to small businesses and large corporate entities, our firm delivers innovative solutions to funding business enterprises in all industries—including those involved in real estate, car dealerships, manufacturing, construction, and the hospitality industry.

Our firm is a proud, accredited member of the Better Business Bureau with an A rating. We have also been recognized by third-party organizations as one of the top providers of MCAs (Merchant Cash Advances), asset-based loans, and other alternative financing programs in the United States. Top Credit Card Processors has consistently ranked RJ Funding Services and our sister company, Rafter J Merchant Services as one of the Top 30 best firms for Merchant Cash Advances and small business loans in the United States.


Our Team

Stephen F. Williams, CPP Our founder and president, Stephen F. Williams is a Certified Payments Professional (CPP) with a wealth of experience in all facets of operating successful businesses. He has an intimate understanding of the needs of industry-specific entrepreneurs from small business owners to aggressive venture capitalists. Embracing the latest technology and innovations in alternative …