With complete statements, decisions can come the same day and approved funding typically arrives the next business day.
Check my optionsSpeed
The fastest business financing, revenue-based funding and merchant cash advances, can go from application to funded in one to two business days. Where time is lost is usually in the steps owners control: documents, verification and signing.
Amount to request
$85,000.00
Funding range$25K to $5M
*Sample amounts shown. Your actual offer depends on your business and is reviewed before approval.
Existing balances of $100,000 or less can be bought out.
Your file goes to funders that fit it, so offers can be compared.
Approved files are usually funded the next business day.
A human reads the file, not just an algorithm score.
Fast decisions. Applying takes about 5 minutes.
A short application. A soft credit pull to start.
We review revenue, time in business and bank activity, not just a credit score.
You see the amount, the schedule and the full repayment amount before you sign.
Funding in as little as 24 hours for qualified businesses.
A fast timeline looks like this. Day one, morning: you submit an application with complete bank statements. Same day: an underwriter reviews deposits, balances and existing payments, runs a credit check (credit from 500 is considered) and issues an approval or offer, often within hours. Same day or next morning: you review and sign the agreement electronically, and the funder completes verification, typically a phone call, bank verification and sometimes a check of state records.
Funding is then sent by ACH, which usually arrives the next business day, or by wire, which can arrive the same day if completed early enough. Bank cut-off times, weekends and holidays can add a day. That is how same-day decisions with next-day funding become realistic.
Delays almost always come from one of five places: missing statement pages, mismatched names or addresses, an existing advance not disclosed on the application, an owner who cannot be reached for the verification call, or a bank account that needs extra verification. Each can add a day or more. Preparing in advance removes most of them.
Speed should not replace comparison. Even when you need funds quickly, ask for the total payback, payment amount and frequency and any early-payoff discount in writing. A marketplace like MFE helps by sending one complete file to multiple funders at once, so comparing offers does not cost extra days.
Speed also depends on how quickly you respond to the offer itself. Owners who review the agreement, ask questions and sign within the same business day keep the timeline intact; offers left unsigned overnight may need updated statements or a fresh verification, which can add a day or more.
If you are comparing more than one offer, set a short deadline for yourself, such as end of day, and use the same comparison table for each. That balances speed with a careful decision.
Here is a typical fast offer, with numbers you can compare in minutes. Illustrative numbers.
| Amount funded | $40,000 |
| Factor rate | 1.20 |
| Total payback (amount × factor) | $48,000 |
| Fees deducted at funding (4%) | $1,600 |
| Net cash you receive | $38,400 |
| Weekly payment over 52 weeks | $923 |
| Same total as daily debits (~260 business days) | $185/day |
Illustrative numbers only. Your offer depends on your file; always compare net cash and total payback in writing.
| Application with full statements | Hour 0 |
| Underwriting and offer | Often same day |
| E-sign agreement | Same day or next morning |
| Verification call | Before funding |
| ACH funding | Usually next business day |
Good fit:
Probably not yet:
Revenue-based funding can often be decided the same day and funded the next business day.
Missing pages, mismatched details, undisclosed advances and unreachable owners.
Approvals may happen, but ACH funding usually moves on business days.
A wire can arrive the same day if sent before cut-off.
Options begin at 500.
Yes, a marketplace lets you compare without adding days.
Example uses for illustration only.
Before you apply:
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding