Speed
Some products really do fund in a day. Others cannot, no matter who promises it. Here is the honest split, and what decides which one you get.
✓ Checking what you qualify for does not affect your credit score.
Short-term working capital and revenue-based funding are the products built for speed. They are underwritten on your business bank deposits rather than on tax returns and projections, and that is the whole reason they move quickly: the underwriter is reading something you already have.
Term loans, lines of credit and anything secured by equipment or property take longer, because somebody has to value the security or verify filings. If a site promises you an SBA loan in 24 hours, close the tab.
The file, not the lender. Four things account for nearly every delay we see.
| Stage | Typical time | What moves it |
|---|---|---|
| Application | A few minutes | Have your EIN and business bank details to hand |
| Decision | 2-4 hours on a complete file | Everything above sent at once |
| Contracts | Same day | Signing promptly; e-signature is standard |
| Funding | Same day to next business day | Bank cut-off times and the receiving bank |
Cut-off times are the part people forget. A decision at 4pm on a Friday is not a Friday deposit, however fast the underwriting was.
If the money is covering a shortfall rather than buying something that produces revenue, funding it in 24 hours does not fix anything — it just moves the problem forward at a cost. We would rather tell you that than place it.
Speed is worth paying for when a deadline creates the value: a supplier discount that expires, an order you can fill only if you buy stock now, a piece of equipment at auction. Then a day genuinely matters.
On a complete file, yes — a decision typically comes within 2 to 4 hours and funding can land the same or next business day. Incomplete documents are what break that timeline, not the underwriting.
Three to four months of complete business bank statements, a government-issued ID and a voided business check. Send them together rather than one at a time.
No. Checking what you qualify for does not affect your personal credit score.
No, but disclose it up front. It gets found in underwriting anyway, and finding it late is the most common cause of a file stalling past a deadline.
Same-day decision. Applying takes a few minutes and will not affect your credit score.
