Same-Day Funding
Funding For Opportunities
Apply in minutes. Approved in hours. Funds in your account the same business day. No tax returns, no collateral, no long wait.
How Same-Day Funding Works
From application to funded in a single business day.
Takes about 5 minutes
Submit your application
Complete a short online application with basic business info. Have 3 months of bank statements ready to upload — that's the primary underwriting document.
Typically 1–4 hours
Receive your decision
Our team reviews your bank statements and revenue history. You will receive a funding offer with amount, factor rate or APR, and repayment terms.
Usually under an hour
Review and sign
Review your offer, ask questions, and sign your agreement electronically. No branch visit, no printing, no delay.
Often same business day
Funds hit your account
ACH transfer initiated after signing. Many applicants receive funds the same day — others land first thing the following morning depending on timing and bank processing.
Same-Day Funding Products
Multiple products, all designed for speed — we match you to the right one.
| Product | Funding Speed | Best For | Typical Cost | Min. Credit |
|---|---|---|---|---|
| Merchant Cash Advance | Same day | Businesses with consistent daily deposits | Factor rate 1.15–1.49x | 500+ |
| Short-Term Business Loan | Same day – 48 hrs | Businesses with 12+ months in operation | 25–75% APR | 550+ |
| Revenue-Based Financing | 24–48 hrs | Subscription or recurring revenue businesses | Fixed % of monthly revenue | 580+ |
| Invoice Factoring (Expedited) | 24–48 hrs after setup | B2B businesses with outstanding invoices | 1.5–3.5% per 30 days | Customer credit matters most |
When Businesses Need Same-Day Capital
The cost of waiting is often higher than the cost of capital.
Equipment breakdown
A commercial oven, refrigeration unit, or vehicle is down. Every day offline costs revenue. Same-day capital gets it fixed before the weekend rush.
Payroll gap
Revenue is coming — payroll isn't waiting. Bridge the gap between your receivables and your Friday payroll obligation without missing a payment.
Supplier opportunity
A supplier is offering 20% off on a bulk order that closes in 48 hours. Same-day funding lets you move before the window closes.
Unexpected lease or renewal
A landlord is requiring first and last month up front, or a lease renewal is due before your next revenue cycle clears.
High-season inventory
Holiday or peak-season demand hits faster than expected. Fund inventory now to avoid stockouts when sales are highest.
Emergency repairs
A roof leak, HVAC failure, or plumbing issue threatens operations. Capital within hours keeps the doors open.
Industries We Serve
Same-day funding works best for businesses with consistent daily or weekly revenue.
Restaurants & Food Service
Equipment breakdowns, supplier invoices, seasonal staffing, large event prep
Retail
Inventory for seasonal spikes, flash sales, supplier discounts, emergency restocking
Auto Repair & Service
Parts purchasing, lift or equipment repair, fleet expansion, marketing campaigns
Towing & Transportation
Truck breakdowns, fleet additions, insurance, fuel and maintenance emergencies
What you need to qualify
- 3+ months in business
- $10,000+ in average monthly deposits
- 500+ credit score (some products 550+)
- Active business bank account
- U.S.-based business
Documents to have ready
- 3–6 months business bank statements
- Government-issued ID (driver's license)
- Voided business check
- EIN or Social Security Number
- Basic business information
Apply as early in the business day as possible.
Timing depends on your bank and the lender. Most applicants funded same day submitted before early afternoon Eastern. Applications completed later typically fund first thing the following business morning.
How to Maximize Your Chances of Same-Day Funding
Small preparation steps can be the difference between funded today and funded tomorrow.
Apply first thing in the morning
Every step — underwriting, offer review, signing, ACH initiation — takes time. Applying at 7–8 AM gives the process room to complete before end-of-day bank processing windows close. Afternoon applications often push funding to the next morning.
Have your bank statements downloaded and ready
The single biggest delay is waiting for documents. Log into your business bank account before you start the application and download the last 3 months of statements as PDFs. Having them ready to upload the moment you're asked saves hours.
Apply Monday through Thursday
Friday applications are risky — if anything takes longer than expected, the funding window closes and you are waiting until Monday. Mid-week applications give you a buffer if the lender needs any clarification.
Have your EIN, business info, and voided check ready
Applications stall when basic information needs to be looked up. Know your EIN, have a voided business check ready, and have your business address and phone ready before you start.
Sign your documents immediately
Once you receive an offer, sign it right away. Every hour you wait is an hour closer to the ACH cutoff. If you have questions, ask them on the phone — not over email.
Respond to any lender requests immediately
Underwriters sometimes need one more statement, a clarification on a deposit, or a second form of ID. Monitoring your email and phone and responding within minutes — not hours — keeps the process moving.
Want the full breakdown?
Our step-by-step guide covers every common delay — ACH cutoff windows, co-owner reachability, bank statement red flags, and active advance positions — with specifics on what underwriters actually flag.
Frequently Asked Questions
Apply Today
Need Capital Today?
Apply now — decisions in hours, funds same business day. No tax returns required, no collateral, no obligation to accept an offer.
Apply Now — Free, No Obligation