Next-day business funding
When a bill, a payroll or an opportunity cannot wait a week, speed is the whole question. Here is what drives the clock and how to put your file in the best position.
✓ Checking what you qualify for does not affect your credit score.
Funding can arrive in as little as 24 hours for qualified businesses, with funding from $25,000 to $5,000,000. Decisions move fast, and the biggest variable is not us. It is how complete your file is when it arrives.
Most delays come from missing pages or a statement from the wrong account, not from the review itself.
None of these changes whether you can be funded. They change how long it takes.
| Product | What it covers | When it tends to fit |
|---|---|---|
| Working capital | Payroll, inventory, vendor bills | Steady deposits and an immediate gap |
| Merchant cash advance | Cash against future card and sales deposits | Speed matters and repayment should follow sales |
| Business line of credit | A reusable pool you draw on | Needs recur and you want cash on hand |
| Equipment financing | A specific asset | The purchase is one piece of equipment |
Costs and repayment schedules are set per offer, and the full repayment amount is shown before you accept. Read more in same-day business funding and working capital.
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. For the longer view, see funding requirements.
No. Funding can arrive in as little as 24 hours for qualified businesses, but timing depends on how complete your file is and on the product you choose.
Have about three months of business bank statements ready, fill in the five-minute application and reply quickly to any follow-up question.
No. We read business bank statements instead of tax returns.
The application starts with a soft pull, which does not hurt your score.
You can submit an application any time. Reviews are handled on business days, so a Friday evening file is typically picked up the next business day.
Same-day decision. Applying takes a few minutes and will not affect your credit score.
