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Same-Day Funding from $50,000 to $5,000,000
✔ Term Business Loans: 6 Mos to 10 Years
✔ Merchant Cash Advance (MCA)
✔ Equipment Financing
✔ Accounts Receivable / Invoice Financing
Minimum Requirements: Varies by Program, See Below for More Information.
Get Funded in 3 simple steps:
1. Submit Form & Upload Your Business Info
2. Receive multiple offers in minutes
3. Choose your best Same-Day offer
what is accounts receivable financing or Invoice Factoring?
Accounts receivable financing is when a company will sell or finance off their outstanding B2B invoices for working capital. It can either be in the form of selling the asset to the lender or using the accounts receivable (invoices) as collateral for the loan.
Min Requirements: $100K in B2B invoices (aged less than 90 days), $500K in total revenues.
what is a small business loan?
A small business loan is any funding option specifically designed for a small business. Small business loans allow existing or newly established companies to borrow money from lenders. Loan types exist to help entrepreneurs meet different goals. The way each loan works depends on the type of loan.
Min Requirements: $30K gross monthly sales, 12 months in business
what is equipment financing?
Equipment financing is a way for businesses to obtain equipment through a loan or lease. It can be used to purchase almost any tangible asset for a business. Some examples of equipment that can be financed include: medical equipment, office furniture, production equipment, and technology.
Min Requirements: $30K gross monthly sales, 12 months in business
what is a merchant cash advance (MCA)?
A Merchant Cash Advance isn't technically a loan, but rather a cash advance that is paid back by withdrawing a percentage of your credit sales, typically on a daily basis. Since a merchant cash advance is based on a certain percentage of the daily balance, the more credit card sales a business does the faster they are able to repay the advance.
Min Requirements: $30K gross monthly sales, 12 months in business
Easy Application
Our simple 30-second online application can get you matched with offers in minutes.
Same-Day Funding
Our fintech speed can get you in and out of Underwriting in just a few hours - and same day funding!
LARGER AMOUNTS
Most of our programs provide fudning from $50,000 to $5,000,000
Multiple Funding Options
Bad credit? No problem! Most of our top financing options have no minimum FICO.
What Do You Need To Qualify?
12+ Months in Business
Usually 4 months of business bank statements are required for Same-Day MCA funding!
$30,000+ Monthly Gross Sales
The minimum revenue to qualify for financing options are $20,000 per month, or $240,000 in annual gross sales.
No Minimum FICO
We have financing options for all credit profiles. There is no minimum FICO score required to apply.
Why 1Daycapital.com?
Stellar Reputation
Backed by thousands of 5-star reviews, our business financing experts will work with you to solve your business challenges.
Technology-First Approach
1DayCapital's Intelligence uses AI to streamline the funding process. Get an instant pre-approval and flexible loan options that fit your business needs.
Multiple Options
Choose an offer that makes the most sense for you and your business. Compare offer terms and choose what works best.
Zero Surprises
Clear pricing on all quotes. We provide full transparency on terms. No surprises.
1DayCapital Intelligence - our winning combination of quick delivery and excellent customer care. Getting started is easy.
Step 1. Apply Online
Secure an instant pre-approval. Our application process is straightforward and can be completed in seconds.
Step 2. Review Options
Your personal loan advisor will discuss finance options available with you for your business.
Step 3. Receive Your Funds
Finish the online application process and receive your funds in as little as 24 hours.
Bob J.
Business Owner
"I had an amazing experience with 1DayCapital. My finance advisor was fantastic and impressed me with his professionalism and deep knowledge of business funding through the entire process. From application to funding, the entire process was incredibly easy and smooth. Thank you for everything. I highly recommend them!"
secure an instant pre-approvalResources & Frequently Asked Questions
A merchant cash advance isn’t technically a loan with set terms. It is an advance on future sales and is paid back by taking an agreed upon percentage on a daily or weekly basis. The benefits of a merchant cash advance are you can pay back the loan as quickly or as slowly as your business sales allow.
A merchant cash advance lender will provide you a lump sum of money in exchange for a percentage of your future credit card sales. Instead of making a fixed payment over a period of time your loan is paid back usually daily or weekly by the lender collecting that set percentage of your credit card sales.
Merchant cash advances (MCAs) are generally considered to be an easy type of business financing to qualify for, with approval rates as high as 90%. MCAs are often available to businesses that may not qualify for other types of loans, such as small business loans, equipment loans, or business lines of credit. MCAs are based on a business’s cash flow, not its credit history or business history.