Same-Day Business Funding
Submit your application and bank statements before noon and most businesses receive approval within 2–4 hours — with same-day wire funding available.
Submit your application and bank statements before noon EST and most businesses receive a funding decision within 2–4 hours — with same-day wire transfer that hits your account the same business day. Minimum requirements: $4,000–$6,000/month in deposits, 500 FICO, 4+ months in business, no open bankruptcy.
How It Works
For complete submissions (application + 6 months bank statements) received before noon Eastern time.
What You Need
No tax returns. No business plan. No collateral. No personal financial statements.
Qualifications
Most small businesses with consistent monthly revenue qualify.
⏰ Same-day funding available for submissions before noon ET
The application takes 2 minutes. There's no credit pull. You'll have offers in front of you today if you submit this morning.
Start the 2-Minute Application →Questions? Call or text 330-238-3003
FAQ
Yes. For complete submissions received before noon Eastern time — application plus 6 months of bank statements — most businesses receive approval within 2–4 hours and same-day wire within 4–6 hours of contract signing. Same-day funding is not guaranteed but is routinely achieved for complete, qualifying submissions.
Submissions received after noon ET typically receive approval the same afternoon and funding the following morning (by 10 AM). This is still far faster than a traditional bank loan and is sometimes referred to as next-day business funding.
No. Same-day merchant cash advances are approved based on your monthly revenue and bank deposit history — not your credit score. The minimum FICO is 500. A bank decline, past late payments, or credit challenges do not disqualify a business with consistent monthly deposits.
Same-day advances typically range from $10,000 to $150,000 for first-time applicants. The formula is 75–150% of your average monthly deposits. A business averaging $50,000/month may qualify for $37,500–$75,000 in same-day or next-day funding.
No. It is a merchant cash advance (MCA) — a purchase of future receivables, not a loan. There is no interest rate, no fixed payment schedule based on a loan term, and no collateral. Repayment comes from a fixed daily percentage of your business bank deposits. Most businesses do not need to change banks or card processors.
The initial application uses a soft credit pull only — it does not affect your score. A hard pull may be performed at contract signing but is a minor, temporary impact. There is no obligation after the soft pull — you review the offer and decide whether to proceed.
Most business types qualify: restaurants, retail, trucking, construction, medical practices, salons, auto repair, cleaning services, and more. The qualifying factor is monthly deposit volume, not industry. Exceptions include gambling businesses, adult entertainment, and some high-risk financial categories.
Same-day decisions are more common in industries where card deposit volume is high, consistent, and easy to verify: restaurants, retail, auto repair shops, salons, HVAC contractors, trucking owner-operators, and medical practices. Industries where revenue is primarily check, ACH, or invoice-based (commercial contractors, B2B services) sometimes require additional review time because deposit sources are harder to parse quickly. Revenue-heavy, card-dominant businesses that apply before noon Eastern with clean 3-month bank statements have the best chance of a same-day decision and next-day wire.