Jan 10

3 Alternative Lending Mistakes to Avoid

Call Rafter J Funding Services at (325) 942-8685.

Not all alternative lending companies are created equal. Non-traditional financing programs aren’t created equal either. When it comes to financing your businesses with non-traditional lending, it is important that you choose a reputable firm with ethical and clear terms on lending agreements. Our firm, RJ Funding Services (Rafter J Funding Services) has a number of lending programs suited to small businesses and large corporations alike. From Merchant Cash Advances (MCAs) to private money and venture capital, we have non-traditional lending programs for almost any kind and size of business. Since we are committed to helping educate entrepreneurs on their many financial options, following are three ways you can avoid common lending mistakes.

Research Your Lender

Before entering into any kind of financial agreement, you should research your alternative lending source carefully. Consider asking about any certifications and professional affiliations that your broker or firm might have. It is wise to check to see if the company you choose is accredited by the Better Business Bureau and to read any reviews left by former clients. As a firm with an A+ BBB rating, our team at RJ Funding Services can tell you the rigorous process of applying for and maintaining a good standing with the BBB.

Learn About All Your Options

More than likely, the alternative lending firm you choose has multiple offerings for non-traditional lending. Perhaps when researching your options, you only knew of one or two programs that could be of assistance. Fortunately, there are many kinds of alternative funding programs that could help you that you might not know about. A simple search on the Internet could teach you about many kinds of offerings that might help you meet your business needs. When it comes to making financial decisions, knowledge is power.

Take Time to Read All Paperwork

Once you have chosen a lender and selected an alternative financing offering, it is important that you read any paperwork that pertains to your funding very thoroughly. While most alternative financing firms strive to be as ethical and transparent as possible, miscommunications can still occur. By reading all necessary paperwork thoroughly, you create an opportunity to eliminate elements of your lending agreement that could come as a surprise later. It’s also an opportunity to ask questions if needed.

For more help when it comes to determining your lending needs, call Rafter J Funding Services at (325) 942-8685 to speak with a friendly member of our team.

Dec 27

Woman- or Veteran-owned Business? Rafter J Funding Services Can Help!

Woman-owned and veteran-owned businesses are often eligible for some assistance when it comes to

business funding from conventional lenders but many entrepreneurs who need business funding who are often denied. Fortunately, alternative lending programs can be of benefit to small business owners, including women, veterans, and minority groups. RJ Funding Services (also known as Rafter J Funding Services) is an alternative business funding firm that offers lending programs like Merchant Cash Advances (MCAs), purchase order financing, and asset-based lending.

The Financial Stress of Business

RJ Funding Services: Where a handshake still means something


Owning a business is a goal for many people. More importantly, though, is successful business ownership. Sometimes a small cash crunch can throw a wrench in a business’s operations, and once production falls behind, so does revenue. Catching up after a financial strain is very difficult and resuming operations as normal might require applying for and receiving business funding to tide you over during a difficult time.

Unfortunately, being denied access to funding can hurt many small business owners, especially those who belong to communities that would benefit from local economic growth. The rigid nature of traditional lending requirements can leave woman-owned and veteran-owned business owners out in the cold. Alternative lending, on the other hand, does not have to adhere to as strict of requirements. This is because non-traditional lenders focus on other criteria to measure a business’s ability to repay. For example, a conventional lender might focus on credit scores while an alternative funding firm might focus more on the amount of receivables a company brings in or the worth of its assets.

How Alternative Lending Can Help Small Business Owners

Alternative lending programs can provide funds for specific things. For example, a person could apply for business acquisition funding to purchase an existing business. The funds released in this type of program are only used for the acquisition of an existing business. Other programs may involve leveraging other forms of capital for funding, such as the value of existing assets or incoming receivables.

If you operate a woman-, veteran-, or minority-owned business and are curious about non-traditional business funding, give our team at RJ Funding Services a call at (325) 942-8685.

Nov 27

5 Alternative Funding Programs You Might Not Know About

Nov 15

Conventional Lending vs. Alternative Funding

Oct 07

Rafter J Funding Services: Everything You Need to Know

The world of business financing is confusing at times—especially since many business owners and corporations are

new to alternative lending services. When it comes to conventional business financing, traditional lenders can take too long to release funds because lending requirements are incredibly stringent. Additionally, many industries are left out in the cold by traditional financing institutions because they are deemed “high risk”. Fortunately, Rafter J Funding Services can help companies ease their financial burdens with offerings such as industry-specific loans, Merchant Cash Advances, equipment and machinery leasing, bridge loans, and large project funding.

Beyond our mission to provide ethical and client-oriented alternative lending services, we aim to educate business owners on their diverse funding options. Following are answers to common questions clients ask us.

Our founder and president, Stephen F. Williams

Whom does RJ Funding Serve?

RJ Funding Services (also known as RJ Funding Services) provides non-traditional financing to companies throughout North America, including all Canadian provinces. The clients who receive funding from us come from diverse industries including auto sales, real estate, the retail and hospitality sector, and manufacturing. Our clientele includes small businesses and multinational corporations.

Are international clients eligible for funding?

Yes, international clients are eligible for alternative lending programs but funding is contingent on the country from which a business operates. We serve clients throughout Canada (including Quebec), the United States, and some Caribbean and Central American countries.

Is Rafter J Funding accredited with the BBB?

RJ Funding Services has proudly received accreditation by the Better Business Bureau. Due to our history of excellent client service, the BBB has awarded Rafter J Funding Services an A+ rating. As one of the world’s leading consumer advocacy organizations, the Better Business Bureau helps resolve consumer complaints and disputes with companies.

What should I do if I am interested in alternative funding?

If you are interested in pursuing non-traditional funding for your business, we recommend reading through our website and blog to learn more about some of our most popular offerings. Some of our most popular services include machinery leasing, purchase order financing, business acquisition funding, and asset-based loans.

After you have learned a little about our financing programs, we recommend submitting an application (that you can download by clicking here) and calling (325)942-8685 to speak with a helpful member of team.

Sep 25

Business Equipment Leasing with RJ Funding Services

RJ Funding Services is a Proud NAELB Member

Is it time to invest in new equipment? Are you worried about paying for new machinery? If so, business equipment leasing might be an option to explore. Machinery leasing is a non-traditional form of funding that allows businesses in the manufacturing industry an alternative to purchasing new equipment up front. This form of financing can help a business maintain a competitive edge with the latest equipment available. Instead of buying heavy machinery all at once, a company can lease it for a fixed monthly payment. RJ Funding Services (also known as Rafter J Funding Services) provides affordable heavy equipment financing programs to companies that qualify.

Heavy Equipment Financing

Our team at RJ Funding Services understands the burden of buying heavy equipment and machinery for businesses that manufacture products. We also know that companies need to invest in their machinery to maintain productive and safe work environments. With technology advancing at a rapid rate, paying for the heavy equipment businesses need to thrive can be difficult and cost prohibitive. Fortunately, machinery leasing and heavy equipment financing is a viable solution for many business owners.

Machinery leasing can benefit businesses in the following sectors:

  • Automotive Manufacturing
  • Clothing and consumer goods factories
  • Food and beverage refining/processing
  • IT product manufacturing

How Machinery Leasing Works

Leasing machinery works by entering an agreement to rent equipment for a predetermined period. Businesses will make monthly payments at a fixed rate. Most agreements provide options to buy equipment at fair market value after the leasing period is over. RJ Funding Services works with a network of investors that purchase equipment in various price ranges. Most of our clients’ machinery falls within the $100,000 to $500,000 price range.

If leasing your business equipment is a financing option you want to explore, our team at RJ Funding Services invites you to fill out our online application to determine your eligibility for these programs. Our firm offers a variety of offerings to fund businesses of all sizes. Call us today at (325) 942-8685 to consult with a member of our team.

Aug 16

Purchase Order Financing & Business Equipment Leasing

RJ Funding Services (also known as Rafter J Funding) has recently added two business financing programs,

RJ Funding Services: Where a handshake still means something

Purchase Order (PO) Financing and Business Equipment Leasing to our already extensive list of offerings. Purchase Order Financing and Business Equipment Leasing are alternative lending programs that can help solve the financial needs of various types and sizes of companies. As one the North America’s leading alternative financing firms, RJ Funding Services is committed to helping businesses and entrepreneurs throughout the United States and Canada.

Purchase Order Financing

Purchase Order Financing is a unique and beneficial non-traditional financing option that can help a business meet and fulfill orders when they lack the inventory to do so. Essentially, our team at RJ Funding Services will cover the cost of materials and inventory needed to fulfill a large order. Then, our team will handle the collection process from a company’s customer. Once the funds are collected, RJ Funding will receive a portion of the funds for covering the cost of materials and collecting the funds. The remaining balance is turned over to the client. Purchase Order Financing is great for preventing business interruptions and lengthy wait times for clients. It is also useful for when big, unanticipated orders come in that a company is not used to handling.

Business Equipment Leasing

Running a business is expensive—especially if that businesses utilizes heavy machinery and bulky equipment that is very costly to purchase out right. Business Equipment Leasing is a program where companies can lease the equipment they need for a predetermined amount of time. Once the lease is up, businesses can choose to purchase the equipment they have been using at a discounted price that is adjusted for wear and tear along with depreciation, or business owners can choose to enter a new leasing agreement. This alternative financing program is useful for helping businesses maintain a competitive edge by using the latest equipment.

Our founder and president, Stephen F. Williams is a member of the National Association of Equipment Leasing Brokers (NAELB). RJ Funding Services is Better Business Bureau-accredited with an A+ rating. Our mission is to help companies throughout North America achieve their financial goals.

Call RJ Funding Services at (325) 942-8685 for a complimentary alternative lending consultation. You may also download and fax/scan our lending application by clicking here.

Aug 01

RJ Funding Services has an upgraded website and a new blog!

Welcome to the official blog for RJ Funding Services (also known as Rafter J Funding Services). This blog space will

RJ Funding Services: Where a handshake still means something

be dedicated to providing education on our various offerings such as Merchant Cash Advances (MCAs), asset-based lending, high-risk industry loans, venture capital, and large/major project funding.

Check out our Upgraded Website

In addition to launching our new blog site, we have given our official website a makeover! Our team at RJ Funding Services strives to embrace the latest technology and methods of communication so that our clients receive the best service possible. Not only is our company well-known for its commitment to old-fashioned personable service, we want to educate our clients on their many alternative lending options. On our new website you will find a mobile-friendly design that allows anyone using a phone, tablet, or computer a user-oriented interface. Our website is full of information on some of our most popular services, various ways to contact us, and an online application form to streamline the lending process. We also upgraded to a new hosting provider so that our site will load faster than before. If you are interested in learning more about alternative business financing, we invite you to take a look around our website and our blog to learn more about our services. You are welcome to call us at (325) 942-8685 or e-mail us at info@rafterjfundingservices.com to learn how we can help you finance your business needs.

About Rafter J Funding Services

Rafter J Funding Services is a Better Business Bureau accredited firm with an A+ rating. We have been lauded by industry organizations such as TopCreditCardProcessors.com for our commitment to ethical lending practices. Our president and founder, Stephen F. Williams is proud to operate one of North America’s premier alternative financing firms. We serve businesses and investors throughout the United States and Canada (including Quebec). Call us today at (325) 942-8685 for a complimentary alternative funding consultation.

Jul 08


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 changes in the non-traditional lending industry that benefit business owners and brokers. Our team is proud to announce that our president, Stephen Williams is now a member of the National Association of Equipment Leasing Brokers (NAELB).

How NAELB Membership Benefits Our Clients

The NAELB is committed to helping professionals and brokers within in the alternative lending industry maintain familiarity with the latest trends and upcoming regulations that affect lenders and business owners alike. Since education is a high priority of the organization, members of the NAELB have access to annual nationwide conferences and regional events that offer seminars and workshops on specialized topics. Additionally, those who are members of the NAELB can peruse distance learning courses as well. In addition to educational benefits, the NAELB provides networking opportunities for industry leaders.

Business Equipment Leasing

Business equipment leasing is one of our most popular offerings; and for good reason, too, leasing business equipment like heavy machinery can help keep a business afloat in times of hardship, expansion, or unexpected growth. Leasing machinery and other types of equipment is a great option for controlling corporate expenses and maintaining smooth business operations.

RJ Funding Services is committed to providing business owners and entrepreneurs the best service possible. By staying up to date with our ever-changing industry, we can help our clients choose the lending solutions that are right for them.

We serve businesses throughout the United States and Canada. Call us today to speak with a friendly member of our staff.