12+ Months in Business
Usually 4 months of business bank statements are required for Same-Day MCA funding!
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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 funding from $50,000 to $5,000,000
Multiple Funding Options
Bad credit? No problem! Most of our top financing options have no minimum FICO.
Why 1DayCapitalWhat Do You Need To Qualify?
The minimum revenue to qualify for financing options are $20,000 per month, or $240,000 in annual gross sales.
$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?
Instead of navigating lenders one by one, compare multiple financing options through one streamlined process, guided by a dedicated financing specialist from start to finish.
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-approvalFrequently Asked QuestionsEverything You Need to Know Before You Apply
01. Why work with 1DayCapital instead of applying directly with a lender?
1DayCapital simplifies the financing process by allowing qualified business owners to explore multiple financing options through one secure application. Instead of contacting lenders individually, you submit your business information once, review potential funding opportunities with guidance from our team, and choose the path that best fits your goals.
02. Will I receive calls from multiple lenders?
1DayCapital is a financing partner that helps qualified businesses compare and explore funding options through one streamlined process, working alongside a network of providers.
03. What types of financing are available?
Depending on your business profile and goals, available options may include:
- Business Term Loans
- Business Lines of Credit
- SBA Loans
- Commercial Real Estate Loans
- Equipment Financing
- Revenue-Based Financing
- Invoice Factoring / Accounts Receivable Financing
Your financing specialist will help determine which options best fit your business.
04. What businesses qualify?
While every financing program has different requirements, many options are available for established businesses that have:
- At least one year in business
- Approximately $30,000 or more in monthly revenue
- A business checking account
Additional qualification requirements vary depending on the financing solution.
05. How long does the process take?
Many qualified businesses receive financing decisions quickly, and some programs offer same- or next-day funding after all required documentation has been received and reviewed. Funding timelines vary depending on the financing product and your business profile.Many qualified businesses receive financing decisions quickly, and some programs offer same- or next-day funding after all required documentation has been received and reviewed. Funding timelines vary depending on the financing product and your business profile.
06. Will applying affect my credit?
Your initial application is designed to help us understand your business and identify potential financing options. If a credit review becomes necessary for a specific financing program, your financing specialist will explain the process before moving forward.
07. Is my information secure?
Yes. Your information is submitted through a secure application and handled with care throughout the financing process. Protecting your business information and privacy is an important part of how we work.
08. Do I have to know which financing product I need?
No. That's exactly what we're here to help with. Many business owners know they need capital but aren't sure whether a term loan, business line of credit, SBA loan, equipment financing, or another solution is the best fit. We'll help you compare available financing options so you can make an informed decision with confidence.
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