Same Day Funding · Soft Pull · 50-State Coverage
Same day business loans, funded today.
Need a fast business loan? Summit funds same-day from $5,000 to $2,000,000. One 4-minute application, soft-pull pre-qualification, and 70+ lenders competing for your file — the fastest path to capital when waiting on a bank isn't an option.
- Decision
- 2–4 hrs
- Fund Speed
- Same day
- Capital
- $5K – $2M
- Min FICO
- 500+
Your options
The fastest paths to business capital.
Merchant Cash Advance
$5K – $2MSame day
Wire today on clean statements. Underwrites deposits, not FICO. Best when revenue is strong.
Revenue-Based Line of Credit
$10K – $250K24 hours
Revolving capital priced off cash flow. Draw what you need, pay only what you use.
Same-Day Bridge
$50K – $500KSame day
Short bridge to a larger close — payroll, supplier deposit, time-sensitive opportunity.
Equipment Financing
$15K – $2M1–3 days
Asset-secured. Credit weighs less than the equipment and down payment.
Invoice Factoring
$25K – $5M2–5 days
Sell outstanding invoices for immediate cash. Underwrites your customers' credit.
Stacking Refi
$25K – $1M2–3 days
Consolidate open MCAs into one lower daily payment, often same week.
FAQ
Same day business loans, answered.
Can I get a same day business loan?
Yes. Same day business loans are realistic for MCA, revenue-based lines of credit, and small bridge advances when statements are clean and the signed file is submitted before 2pm ET. Summit pre-qualifies in minutes on a soft pull, and our 70+ lender network competes to fund your file the same day.
What's the fastest business loan I can get?
Merchant cash advances and revenue-based products are the fastest — approvals in 2–4 hours and same-day wire. Equipment financing and invoice factoring close in 1–7 days. Term loans, SBA, and CRE take longer (1–6 weeks).
How do I qualify for fast business funding?
Most fast funding products require 3+ months in business, $10,000+ in monthly deposits, FICO 500+ (450 with strong revenue), and 3 months of business bank statements. No tax returns or financials required for revenue-based products under $250K.
Are same day business loans expensive?
Speed and risk are priced in. Factor rates on same-day MCAs run 1.15–1.49 depending on credit, time in business, and industry. The right question isn't 'is this cheap?' but 'does this cost less than the lost revenue from waiting?' Summit attaches an APR-equivalent disclosure to every offer.
Will applying for a fast business loan hurt my credit?
No. Pre-qualification is a soft pull only. A hard inquiry occurs only if you accept terms and the funder requires it before wire — and many MCA funders never pull credit at all.
How much can I borrow same day?
Initial same-day advances typically equal 80–150% of average monthly deposits. A business with $50,000/month in deposits can usually qualify for $40,000–$75,000 on a first position, scaling up on renewals.
Same day business loans — funded today.
Soft-pull pre-qualification. No obligation. Same-day decisions on revenue-based products.