When your business needs capital now — not in 60 days — traditional bank timelines simply don't work. Fast business funding puts money in your account in as little as 24 to 48 hours.
Fast business funding — sometimes called revenue-based financing or a merchant cash advance — works by advancing capital against your future business revenue. Instead of evaluating you like a traditional loan with extensive credit checks and collateral requirements, lenders look primarily at your monthly bank deposits and business performance.
The process is straightforward: you submit a short application and three months of business bank statements, the lender reviews your revenue and deposit history, and a funding offer typically comes back within hours. Once you accept, funds are deposited directly to your business bank account — often within one business day.
The qualification criteria for fast business funding is more accessible than traditional bank loans. Most programs require at least one year in business, though two or more years is preferred, monthly business revenue of $10,000 to $15,000 or more, a business bank account with consistent deposit history, and no active bankruptcy proceedings.
Credit score matters less than with a traditional loan. While lenders do look at credit as one factor, a lower score alone won't disqualify you if your revenue is strong and consistent.
Fast business funding can close in 24–48 hours. Traditional bank loans typically take four to eight weeks from application to funding, and SBA loans can take even longer.
Fast funding requires primarily your bank statements and basic business information. Traditional bank loans often require financial statements, tax returns, business plans, collateral documentation, and extensive personal financial history.
Fast funding is more expensive than traditional bank financing. The convenience and speed come at a higher cost. For businesses that need capital quickly and can service the higher cost from increased revenue, the trade-off makes sense. For businesses that can wait and qualify for traditional financing, a bank loan will cost less over time.
Fast business funding is flexible. Businesses use it for emergency equipment repairs, inventory for an upcoming busy season, covering payroll during a revenue gap, a time-sensitive business opportunity, marketing campaigns with expected ROI, and expansion costs that can't wait on bank approval timelines.
Applying for fast business funding takes less than ten minutes. You'll need basic information about your business, your last three months of business bank statements, and your business bank account details. There's no obligation to accept any offer you receive.
Get a decision in hours. Funds in as little as 24–48 hours. No obligation to accept.