24-hour business funding
A 24-hour timeline is real for the right file, and a headline for the wrong one. Here is how to tell which you have.
✓ Checking what you qualify for does not affect your credit score.
Funding can arrive in as little as 24 hours for qualified businesses. That clock starts when your file is complete, meaning your application and about three months of business bank statements are in and any follow-up questions are answered.
A track record and regular deposits make the file easy to read.
Every statement page present, from the account your sales actually hit.
Existing advances or loans disclosed up front.
Questions answered the same day.
See credit score requirements for how the score fits into that picture.
| Illustrative use | Illustrative amount |
|---|---|
| Payroll gap | $18,000 |
| Inventory ahead of a busy season | $25,000 |
| Emergency equipment repair | $12,000 |
| A vendor discount for paying early | $20,000 |
These are illustrations of how an owner might plan a request, not offers or quotes.
The application takes about five minutes and starts with a soft credit pull, so applying does not hurt your score. Start your application and we will review your file the same day.
No. It is the fastest case for a qualified business with a complete file. Actual timing depends on the file and the product.
We consider owners with a FICO score of 500 or above. Deposits, revenue and time in business carry a lot of weight.
Our review is built around your business deposits. Terms are set per offer and shown before you accept.
Yes. Sole proprietors apply the same way as an LLC or corporation.
Funding runs from $25,000 to $5,000,000, depending mainly on deposits and existing obligations.
Same-day decision. Applying takes a few minutes and will not affect your credit score.
