Your opportunity can’t wait. Your emergency won’t wait. You need funding, and you need it NOW—not in 3 weeks after a bank reviews your application.

Good news: Several legitimate funding sources can put money in your account within 24-48 hours.

Bad news: Speed costs money. These options are more expensive than traditional bank loans.

But when time matters more than cost, here’s exactly how to get funded fast.

What “Fast Funding” Actually Means

Let’s clarify timelines:

Traditional Bank Loan: 4-8 weeks (sometimes 12+ weeks)SBA Loan: 6-12 weeks minimumFast Funding: 24-48 hours from application to money in account

What makes fast funding possible:

• Automated underwriting (algorithms, not humans)

• Fewer documents required

• Focus on cash flow, not perfect credit

• Higher risk = higher cost

OPTION 1: Merchant Cash Advance (MCA)

Timeline: 24-48 hoursAmount: $5,000-$500,000Approval Rate: Very high (70-90%)

How It Works:

• Lender buys a portion of your future sales

• Repayment: Daily percentage of credit card sales OR fixed daily ACH withdrawal

• Pay back the advance plus factor rate (not interest)

Example:

• Receive: $50,000

• Factor rate: 1.35

• Repay: $67,500

• Daily payment: ~$300-500 (based on sales or fixed)

• Repay in 4-8 months typically

Requirements:

• 3-6 months in business

• $10,000+ monthly revenue

• Process credit cards OR have business bank account

• 500+ credit score (flexible)

Pros:

✅ Fastest approval and funding (24 hours possible)✅ Minimal paperwork✅ Daily payment adjusts with sales (if tied to card processing)✅ No collateral required✅ Works with poor credit

Cons:

❌ Most expensive option (30-100%+ APR equivalent)❌ Daily payments impact cash flow❌ Can create debt cycle if not used strategically❌ Doesn’t build business credit

Best For:

• True emergencies

• Seasonal businesses (daily payment adjusts with revenue)

• When opportunity ROI exceeds cost

• Bridge funding between major projects

Lenders:

• OnDeck

• Credibly

• Rapid Finance

• National Funding

OPTION 2: Business Line of Credit

Timeline: 24-72 hours (if established relationship)Amount: $10,000-$250,000Approval Rate: Moderate (50-70%)

How It Works:

• Revolving credit (like a credit card)

• Draw what you need, when you need it

• Only pay interest on what you use

• Replenishes as you pay back

Example:

• Approved for: $50,000 line of credit

• Draw: $20,000 when needed

• Interest: 12% APR on $20,000 only

• Monthly payment: Interest + principal (varies by lender)

• Repay $20,000, can draw again

Requirements:

• 6-12 months in business

• $50,000+ annual revenue

• 600+ credit score

• Consistent bank account activity

Pros:

✅ Fast access once approved✅ Only pay interest on what you use✅ Revolving (reuse as you repay)✅ Cheaper than MCA✅ Flexible

Cons:

❌ Harder to qualify than MCA❌ First-time approval might take 3-5 days❌ Variable interest rates❌ Annual fees (some lenders)

Best For:

• Managing cash flow gaps

• Seizing time-sensitive opportunities

• Bridge between client payments

• Emergency buffer

Lenders:

• Bluevine (24-48 hour funding)

• Fundbox (same-day possible)

• Kabbage/Amex (1-3 days)

• OnDeck

Pro Tip: Apply for a line of credit BEFORE you need it. Then when you do need it, funds are instant.

OPTION 3: Invoice Factoring

Timeline: 24-48 hoursAmount: Based on outstanding invoicesApproval Rate: High (60-80%)

How It Works:

• Sell your unpaid invoices to a factoring company

• Receive 70-90% of invoice value immediately

• Get remaining 10-30% (minus fees) when client pays

Example:

• Outstanding invoice: $100,000 (net-60 terms)

• Factor advances: $85,000 within 24 hours

• Fee: 3% ($3,000)

• Client pays $100,000 in 60 days

• You receive remaining $12,000

• Total received: $97,000 (cost: $3,000)

Requirements:

• B2B business (invoice other businesses)

• Creditworthy clients (they check CLIENT credit, not yours)

• Valid outstanding invoices

• 3+ months in business

Pros:

✅ Very fast (24-48 hours)✅ Based on CLIENT credit, not yours✅ Works with bad personal credit✅ Solves cash flow timing issues✅ No debt taken on

Cons:

❌ Only works if you invoice clients❌ Costs 2-5% per invoice❌ Factor company contacts your clients❌ Can signal financial weakness

Best For:

• B2B businesses with net-30/60/90 invoices

• Contractors waiting on payment

• Seasonal businesses

• Fast-growing companies (invoices growing faster than cash)

Companies:

• BlueVine

• Fundbox

• RTS Financial

• altLINE (Southern Bank)

OPTION 4: Business Credit Cards

Timeline: Instant (if approved)Amount: $5,000-$50,000+ depending on approvalApproval Rate: Moderate (40-60%)

How It Works:

• Apply online

• Instant or same-day decision

• If approved, card number available immediately

• Physical card arrives in 5-7 days

Example:

• Apply for Chase Ink Business

• Approved for $15,000 limit

• Virtual card number immediately

• Use online for purchases today

Requirements:

• 680+ personal credit (for good cards)

• EIN or SSN

• Basic business information

• Some business credit helps but not required

Pros:

✅ Instant access if approved✅ 0% intro APR offers (12-18 months often)✅ Rewards and points✅ Builds business credit✅ No interest if paid in full

Cons:

❌ Requires good credit for best cards❌ Personal guarantee usually required❌ High interest if you carry balance (18-25%)❌ Limited by credit limit

Best For:

• Purchasing inventory or supplies

• Online purchases

• When you can pay back within 0% APR period

• Building business credit while solving immediate need

Fast Approval Cards:

• Chase Ink Business Preferred

• American Express Blue Business

• Capital One Spark Cash

• Bank of America Business Advantage

OPTION 5: Personal Loan for Business

Timeline: 24-48 hoursAmount: $1,000-$100,000Approval Rate: Moderate-High (50-70%)

How It Works:

• Apply for personal loan

• Use funds for business

• Repay from personal income

Example:

• Apply through SoFi, Marcus, or LendingClub

• Approved for $25,000

• Rate: 10% APR (if good credit)

• Term: 3-5 years

• Use for business emergency

Requirements:

• 650+ credit score (varies by lender)

• Stable income

• Debt-to-income ratio under 40%

Pros:

✅ Fast funding✅ Unsecured (no collateral)✅ Fixed rates and payments✅ No business history required

Cons:

❌ Uses personal credit❌ Personal liability❌ Doesn’t build business credit❌ Mixes personal and business (not ideal)

Best For:

• Startups without business credit

• When business options are exhausted

• Lower amounts ($5K-$25K)

• Short-term needs

Lenders:

• SoFi (24-48 hour funding)

• Marcus by Goldman Sachs

• LendingClub

• Prosper

OPTION 6: Borrow from Retirement (401k Loan)

Timeline: 7-10 daysAmount: Up to 50% of vested balance (max $50,000)Approval Rate: 100% (you’re borrowing from yourself)

How It Works:

• Borrow from your 401(k)

• No credit check

• Pay yourself back with interest

• Interest goes to YOUR account

Example:

• 401(k) balance: $100,000

• Borrow: $50,000

• Repay over 5 years at 6% interest

• Interest paid to yourself

Pros:

✅ No credit check✅ Fast process✅ Pay interest to yourself✅ No early withdrawal penalty (if repaid)

Cons:

❌ Miss out on market gains❌ Must repay if you leave job (or it becomes taxable withdrawal)❌ Reduces retirement savings❌ If business fails, you’ve lost retirement money

Best For:

• Absolute emergencies only

• When no other options exist

• You’re confident in payback ability

OPTION 7: PayPal Working Capital

Timeline: 24-48 hoursAmount: Based on PayPal sales historyApproval Rate: High (if you use PayPal)

How It Works:

• Must have PayPal business account

• Repayment = percentage of each PayPal sale

• No fixed payment schedule

Example:

• Approved for: $20,000

• Repay: 10% of each PayPal sale

• $1,000 sale = $100 goes to repayment

• Repay as sales come in

Requirements:

• PayPal business account 90+ days

• $15,000+ annual PayPal sales

• No minimum credit score

Pros:

✅ Very fast for existing PayPal users✅ Repayment tied to sales✅ No fixed monthly payment✅ No credit check

Cons:

❌ Only works if you use PayPal❌ Based on PayPal sales only❌ Limited amounts typically❌ Expensive (factor rates 1.1-1.3)

Best For:

• E-commerce businesses

• Service providers using PayPal

• Businesses with variable income

How to Choose the Right Option

If you need $5,000-$25,000 and have good credit:

→ Business credit card (instant, cheapest if paid fast)

If you need $25,000-$100,000 with okay credit:

→ Business line of credit OR MCA

If you invoice B2B clients:

→ Invoice factoring (fast and based on client credit)

If you process credit cards:

→ Merchant cash advance OR PayPal Working Capital

If you have poor credit but consistent revenue:

→ MCA (expensive but accessible)

If all else fails and it’s life-or-death:

→ Personal loan OR 401(k) loan (last resorts)

The True Cost of Speed

Let’s compare same $50,000 over 1 year:

Traditional Bank Loan:

• Rate: 7% APR

• Total cost: $53,500

• Timeline: 6-8 weeks

Business Line of Credit:

• Rate: 12% APR

• Total cost: $56,000

• Timeline: 3-5 days

Merchant Cash Advance:

• Factor rate: 1.35

• Total cost: $67,500

• Timeline: 24-48 hours

The difference between 6 weeks and 48 hours: $14,000

Is it worth it?

If that $50K generates $100K in new revenue: YESIf you’re just covering expenses with no ROI: NO

How to Apply for Fast Funding

Documents to Have Ready:

• Last 3-6 months business bank statements

• Photo ID

• EIN letter

• Business license (sometimes)

• Recent merchant processing statements (for MCA)

Application Process:

1. Online application (10-15 minutes)

2. Upload documents

3. Underwriting review (1-24 hours)

4. Approval and offer

5. Sign documents electronically

6. Funds deposited (same day to 48 hours)

Tips for Approval:

• Apply in morning (faster processing)

• Have documents ready

• Be accurate (delays happen with errors)

• Apply to 2-3 lenders simultaneously

Strategic Use of Fast Funding

DO use fast funding for:

✅ Time-sensitive opportunities (bulk inventory deal)✅ Emergencies (equipment breakdown)✅ Bridging cash flow gaps✅ Seasonal inventory needs✅ When ROI clearly exceeds cost

DON’T use fast funding for:

❌ Regular operating expenses❌ Covering losses❌ When you can’t afford repayment❌ Just because it’s available❌ When slower, cheaper options exist

Need fast funding? Start your application process now. We’ll match you with the fastest funding source for your specific situation.

[Start Funding Application →]