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Decision in Under 1 Hour

Same-Day Business Loans — Funded in Hours, Not Weeks

Equipment broke down. Payroll is due. A supplier deal expires tomorrow. When your business needs capital now, FundCapa delivers approvals in under 1 hour and funds as fast as the same business day.

Apply Now → 📞 (323) 347-7535
Decision < 1 Hour Same-Day Funding Available No Collateral 500+ Credit Score
< 1 hr
Approval Decision
Same Day
Funding Available
$350K
Max Funding
500+
Min. Credit Score
4.9 / 5
1,200+ Reviews

How It Works

From Application to Funded — Today

The fastest path to same-day funding: submit a complete application with your bank statements before noon.

Step 1 — Minutes

Submit Your Application

One-page application. Soft pull only. Upload 3 months of bank statements, a voided check, and ID. No tax returns, no business plan, no financials.

Step 2 — Under 1 Hour

Receive Your Offer

A funding specialist reviews your file and presents your best offer — amount, factor rate or rate, and repayment terms. No obligation to proceed.

Step 3 — Same Day

Sign & Get Funded

E-sign the agreement. Funds are wired directly to your business bank account — as fast as the same day for applications completed before 2 PM EST.

Pro Tip

Have Documents Ready

Responding to document requests within minutes — not hours — is the single biggest driver of same-day funding. Have your bank statements ready before you start.

2–5 DAYS

Equipment Financing

Approval 2–3 days after equipment invoice submitted. Funds 1–2 days after signing. Up to $150K. Equipment serves as collateral — 500+ credit.

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3–7 DAYS

Invoice Factoring

3–5 days to set up the facility; then 24–48 hours per invoice submitted. Up to $500K. Based on your customers' credit, not yours.

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1–8 WEEKS

SBA 7(a) Loans

Not for urgent needs — but the best long-term rates. Up to $5M. FundCapa is an SBA Approved Broker/Partner. Worth the wait when you can plan ahead.

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Compare Products

Funding Speed by Product Type

Revenue-based funding and short-term loans are the fastest. SBA and bank loans are significantly slower.

FASTEST

Revenue-Based Funding

Approval: same day. Funding: same day or next morning. No fixed payments — tied to daily revenue. Up to $350K.

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FAST

Short-Term Business Loans

Approval: same day. Funding: next day. Fixed daily or weekly payments over 3–18 months. Up to $200K.

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1–3 DAYS

Business Line of Credit

Approval: 1–2 days. Revolving — draw, repay, reuse. Once established, future draws are same-day. Up to $250K.

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Qualification

Who Qualifies for Same-Day Funding?

✓
In Business 6+ Months
12+ months preferred for best rates
✓
$10,000+ Monthly Revenue
Average monthly bank deposits
✓
500+ Credit Score
Revenue and deposits weighted more heavily
✓
U.S. Business Bank Account
Active checking account required
✓
Most Industries
Restaurants, retail, contractors, healthcare, and more
✓
No Collateral Needed
Most programs are fully unsecured

FAQ

Same-Day Business Loans — FAQ

Can I really get a business loan the same day?
Yes. Revenue-based funding and short-term business loans through FundCapa can fund the same business day for complete applications submitted before 2 PM EST. Next-day funding is standard for all applications.
What is the fastest way to get emergency business funding?
The fastest path: apply online through FundCapa, upload 3 months of bank statements, a voided check, and ID. Approve your offer the moment it arrives. E-sign the agreement immediately. Funds typically arrive same day or the following morning.
What documents do I need for same-day approval?
Three months of business bank statements, a voided business check, a government-issued ID, and basic business information (name, EIN, address). Tax returns and financial statements are not required for revenue-based funding.
What credit score do I need for a same-day business loan?
FundCapa accepts 500+ credit scores for same-day business loans. Revenue and monthly bank deposits are weighted more heavily than credit score for these fast-funding programs.
How much can I borrow with a same-day business loan?
Through FundCapa's same-day programs, businesses typically qualify for $10,000 to $350,000 depending on monthly revenue, time in business, and credit profile. Most businesses are approved for 50%–150% of their average monthly deposits.

Need Funding Today? Apply in 5 Minutes.

One-page application, soft pull, decision in under 1 hour. Same-day funding available for qualified businesses.

Apply Now → 📞 Call (323) 347-7535