The straight answer on speed
Plenty of sites shout "same day" and leave out the fine print. Here is ours, up front. Decisions move fast. Qualified businesses can be funded in as little as 24 hours. Anything faster than that depends on your file and on how quickly your bank posts the deposit. We will not promise you a clock time we do not control.
What we can control is the friction. The application takes about five minutes, starts with a soft credit pull and does not ask for tax returns.
Where the time usually goes
When funding is slow, it is rarely the review. It is usually one of these:
- Missing statements. The file needs about three months of business bank statements. Have them ready as PDFs.
- Mismatched details. The business name on the application should match the bank account.
- Slow replies. If Merchant Fund Express asks a question, answer it the same hour if you can.
- Bank posting times. Wires and transfers land on the bank's schedule, not ours.
Who moves fastest
The quickest files tend to come from established businesses doing $60K or more a month with steady, consistent deposits. A credit score below what the bank wanted is not a dead end here. FICO 500 and up is considered, because the review leans on revenue.
For illustration only: an auto shop doing about $90,000 a month that uploads clean statements in the morning and answers follow-ups right away is in a much better spot than a shop that sends statements two days later.
Which product fits a rush
- Working capital for a gap in operating cash
- Merchant cash advance if you run a lot of card sales
- Business line of credit if you want something to draw on next time too
Specific needs have their own pages: payroll, inventory and emergency repairs.
Ready to go
Funding runs from $25,000 to $5,000,000 and is provided through our partner Merchant Fund Express. Sole proprietors can apply. If you have your statements in hand, you can start the application right now. Want to compare timelines first? See 24-hour business funding.
Frequently asked questions
Can I get funded the same day I apply?
We do not promise same-day funding. Decisions move quickly, and qualified businesses can be funded in as little as 24 hours. Anything faster depends on the file and your bank.
What slows a fast file down?
Missing bank statements, details that do not match the bank account, and slow replies to follow-up questions. Have three months of statements ready before you start.
Does a fast process mean a hard credit pull?
No. The process starts with a soft credit pull, so checking your options does not affect your score.
My credit is rough. Does that slow things down?
Not necessarily. FICO 500 and up is considered, and the review focuses on your revenue and deposits.
Is this only for corporations?
No. Sole proprietors can apply. The fit is an established business doing roughly $60K or more a month.