24-Hour Business Loan: Approved and Funded in About a Day
Fast working capital from $10K to $5M, approved on your bank deposits — not your credit score. Send statements early on a weekday and same-day funding is on the table.
Check Your Rate — No Credit ImpactSee how much your business qualifies for
$10K to $5M in business funding — approved on your revenue, funded as fast as 24 hours. All credit 500+. No collateral for working capital.
- ✓ 500+ credit
- ✓ 6+ months open
- ✓ $10K+/mo revenue
Apply Now — Get Funded in 24 Hours
Start your application in about a minute. A real decision fast — soft credit pull, no obligation.
START MY APPLICATION →🔒 Soft credit pull · will not affect your credit score
What "24-hour business funding" actually means
A 24-hour business loan is short-term working capital that moves from application to your bank account in roughly one business day — sometimes faster. It's built for owners who need cash now: to cover payroll, buy inventory before a big order, fix a broken piece of equipment, or grab a supplier discount that expires this week.
At Quick Biz Capital we approve on your business bank deposits, not your credit score. That's the reason it can be this fast — we're reading how much real revenue flows through your account, not waiting on a long credit review. A soft credit pull confirms you're eligible and never dings your score. FICO 500+ is fine, and working capital needs no collateral.
- Amount: $10,000 to $5,000,000 (minimum is $10K)
- Speed: funded in as little as 24 hours
- Approval basis: bank deposits, not credit score
- Credit: soft pull to check, FICO 500+ OK
- Collateral: none required for working capital
The honest rule on same-day funding
Speed is real, but it's not magic — it depends on when we get a complete file. Here's the straight version so you can plan around it.
If you send your recent business bank statements and return the signed agreement before early afternoon Eastern on a weekday, same-day funding is genuinely on the table. Get everything in later in the day and you're looking at the next business day. And because banks don't move money over the weekend, a file completed Friday typically funds Monday.
Nobody wires cash to a business they haven't reviewed at all. What we've done is strip the process down to the essentials so "reviewed and funded" can happen inside a single day.
Approved on deposits
We look at the money moving through your account, so strong revenue can outweigh a weak credit score.
Short document list
A few months of business bank statements is usually the core of it — no tax returns or business plans to fund working capital.
Soft pull only
Checking eligibility uses a soft credit pull. It doesn't hurt your score, so there's no downside to seeing your number.
Every industry
Restaurants, contractors, trucking, retail, medical, salons, e-commerce — all small businesses, every industry.
What it costs — a real example
Fast funding costs more than a slow bank term loan; that's the honest trade for one-day speed and approval on deposits instead of credit. So look at the total dollars, not just a rate.
As a plain example: on a $50,000 advance with a 1.30 factor, you'd repay $65,000 total — that's $15,000 in cost over the life of the funding. Your actual number depends on your deposits, time in business, and term. We'll show you the real dollar figure before you sign anything, so there are no surprises.
Who this is a good fit for
- You have a time-sensitive expense — payroll, rent, a repair, a deadline — and can't wait weeks
- Your business runs steady deposits through its bank account each month
- Your credit isn't perfect but your revenue is real (FICO 500+)
- You need $10K or more and want a clear total cost, not a runaround
If you need less than $10,000, this isn't the right product — our minimum is $10K.
How to get funded in about a day
- Apply online — a few minutes, soft pull only
- Send statements — a few months of recent business bank statements
- Review your real offer — exact amount, exact total cost, plain terms
- Sign and get funded — before early-afternoon ET on a weekday, same day is on the table
Straight answers
Can I really get a business loan in 24 hours?
Yes, often. If your signed agreement and bank statements are in before early afternoon Eastern on a weekday, funding the same day is realistic. Later in the day usually means the next business day, and a Friday file typically funds Monday.
Will checking hurt my credit?
No. We use a soft credit pull to check eligibility, which does not affect your score.
What credit score do I need?
FICO 500+ works. We approve on your business bank deposits, so strong revenue matters more than a perfect score.
How much can I get?
From $10,000 up to $5,000,000. The minimum is $10K; the amount you qualify for is driven by your monthly deposits.
Do I need collateral?
Not for working capital. There's no collateral requirement to get funded.
What documents do I need?
Mainly your recent business bank statements and a signed agreement. That short list is what makes one-day funding possible.
Ready to Fund Your Business?
Join 1,000+ businesses that trusted Quick Biz Capital. Apply now and get a decision within hours.