Fast Business Loans: Who Actually Funds in 24 Hours
Same-day funding is real — but only for files that show up clean. A complete app plus 3 months of bank statements emailed by 11am Eastern can be in your account before close of business.
Merchant cash advance — 4 to 24 hours
Fastest structure on the market. Approval on bank statements alone, contract sent in 2 hours, ACH funded the same day on files under $150k.
Revenue-based term loan — 24 to 72 hours
Slightly more underwriting than MCA, cheaper pricing (18–55% APR), 3–24 month amortization with weekly or daily remits.
Business line of credit — 1 to 5 days
Non-bank LOCs (Bluevine, Fundbox, Headway) approve and fund first draw in 24–72 hours. Bank LOCs take 2–6 weeks.
Equipment financing — 24 to 48 hours
Soft-credit approval on titled equipment up to $250k is overnight at most equipment lenders.
Same-day doc list
Driver's license + voided check + 3 months bank statements + completed 1-page application. That is the entire package on deals under $250k. Add YTD P&L for $250k–$1M.
See real offers for mca in 60 seconds.
We'll route your profile to lenders that actually fund this structure. No credit pull. No obligation.