How Fast Can I Get
Business Funding?

Traditional bank loans: 30 to 90 days

A traditional bank business loan is the slowest funding option available. The process typically includes a credit application, personal and business financial statement review, collateral appraisal, underwriting, loan committee review, and legal documentation. From start to funded, expect 30 to 90 days — and that's only if you're approved.

For businesses with a genuine time-sensitive need — a broken piece of equipment, a bulk inventory opportunity, a lease renewal — this timeline is rarely workable.

SBA loans: 30 to 90+ days

Small Business Administration loans offer favorable rates but come with even more paperwork and longer timelines than conventional bank loans. The SBA guarantee process adds steps to an already lengthy approval chain. SBA Express loans are faster — 36 hours for a decision — but funding still takes weeks after approval.

Business lines of credit: 1 to 2 weeks

A business line of credit from an online lender can move faster than a bank loan — typically one to two weeks from application to first draw. However, these still require a credit check, and approval rates for small businesses with imperfect credit are low.

Merchant cash advance: 24 to 48 hours

A merchant cash advance is the fastest form of business funding available. Here's the typical timeline:

• Day 1 morning: Submit your application and bank statements online (10 minutes)
• Day 1 afternoon: Receive your offer from a funding specialist
• Day 1 or 2: Accept your offer and sign your agreement
• Day 2 or 3: Funds are deposited into your business bank account via ACH

From application to funded in as little as 48 hours — sometimes less. No branch visit required, no collateral appraisal, and no waiting for a loan committee to meet.

What affects funding speed?

Regardless of which option you pursue, a few things consistently slow the process down:

• Incomplete applications — missing fields or unclear information trigger follow-up requests that add days
• Slow document submission — the faster you upload your bank statements, the faster your application moves
• Bank processing times — ACH transfers to your account typically take one business day after approval

The fastest path to funded is a complete application submitted in one pass, with all four months of bank statements included.

Ready to get funded in 48 hours?

If your business has been operating for at least five months and deposits at least $5,000 per month, you can apply right now. The application takes about 10 minutes, there's no effect on your personal credit score, and there are no fees to apply. You'll receive your offer the same day.