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Same-day revenue-based financing, minus the hype

Fast decisions, and funding in as little as 24 hours for qualified files. For established businesses doing $60K+ a month.

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Fast revenue-based funding

The fastest honest timeline we can give you

Apply in about 5 minutes and get a quick decision through our partner, Merchant Fund Express. Anything faster than 24 hours depends on your file and your bank.

As fast as
24 hours

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.

What actually speeds this up

Quick decisions, real timeline

Funding can arrive in as little as 24 hours for qualified businesses. A short application and about three months of statements keep it moving.

Less credit friction

FICO 500+ is considered and the first check is a soft pull. Steady revenue weighs heavily.

No surprises in the offer

You see the full repayment amount before you accept. No surprise costs show up after signing.

Payments you can plan around

The repayment schedule is laid out in your offer up front, so you can plan cash before you sign.

Straight answer first

Decisions on revenue-based financing move fast. Funding can arrive in as little as 24 hours for qualified businesses. Anything faster than that depends on how clean your file is and how quickly your bank posts an incoming wire. We will not promise you money by this afternoon. Anyone who does is guessing about a bank they do not control.

Funding is provided through our partner Merchant Fund Express, from $25,000 to $5,000,000.

What the fast path looks like

  1. Apply. The application takes about 5 minutes with a soft credit pull to start.
  2. Send statements. About three months of business bank statements. No tax returns.
  3. Review. The file is read for deposits, balances and existing obligations.
  4. Offer. You see the amount and the total payback in dollars.
  5. Sign and verify. A quick verification step, then funds go out.

Every step you finish quickly takes time off the clock.

What slows a file down

None of these are automatic deal killers. They just add time. Fix what you can before you hit submit.

Who gets through fastest

Established businesses doing $60K or more a month with steady deposits and statements ready to send. A salon owner with a 560 score who sends all three months on the first try will often move faster than a bigger company that drips documents over two days. Sole proprietors can apply.

Your credit is reviewed, and FICO 500+ is considered. A bank's no is not the end of the conversation here.

Good reasons to move fast

Speed is worth it when the cost of waiting is real: a cooler that died on a Friday, a supplier discount that ends this week, or payroll that lands before a big receivable clears. If nothing is on fire, take an extra day to read the offer. Fast is a tool, not a goal.

Also see 24-hour business funding and fast revenue-based financing.

Frequently Asked Questions

Can I get revenue-based financing the same day I apply?

Decisions move fast, and funding can arrive in as little as 24 hours for qualified businesses. Anything faster depends on your file and your bank, so we do not promise same-day money.

What is the single best thing I can do to speed it up?

Send complete, recent business bank statements with your application, and answer follow-up questions quickly.

Does a fast decision mean a hard credit check?

No. The process starts with a soft credit pull.

Does my bank affect timing?

Yes. Once funds are sent, your bank decides how fast the wire posts. Some post within hours, some take until the next business day.

Is the faster option more expensive?

Speed and cost are separate questions. Look at the total payback in dollars on your offer and decide if it fits your margins, regardless of how fast it funds.

Urgent repair $31,000.00
Supplier deposit $48,000.00
Short-term payroll $27,500.00
Rush order $60,000.00

Example uses for illustration only.

How to improve your chances

Speed is partly in your hands; these steps help most.

  • Upload complete statements on day one
  • Keep deposits flowing through one account
  • Limit NSFs and negative days before applying
  • Answer follow-up questions quickly

How fast Lucky Credit Pros funding moves vs. a bank loan

Lucky Business Funding
Traditional bank loans
Time to funds
As little as 24 hours
Weeks to months
Docs to start
About 3 months bank statements
Tax returns, financials, more
Credit
FICO 500+ considered
Strong credit usually expected
First pull
Soft pull to start
Hard pull common
Total cost
Full repayment amount shown up front
Revealed later in underwriting

Need it fast? Start the clock today.

One secure application. A soft credit pull to start. No obligation to accept an offer.

Apply for Funding