Guide · Speed
Fast Business Funding
"Fast" means different things at different lenders. Here's a realistic timeline by product, what you need to have ready, and the small moves that turn a 5-day funding into a 1-day funding.
Realistic funding timelines
| Product | Time to fund |
|---|---|
| MCA / revenue-based | 24–72 hours |
| Working capital | 1–3 business days |
| Online term loan | 2–5 business days |
| Line of credit | 2–7 business days |
| Equipment financing | 2–7 business days |
| Bank term loan | 2–4 weeks |
| SBA 7(a) | 30–90 days |
Have these ready before you apply
- 3 most recent business bank statements (PDF, full pages)
- EIN letter and business formation docs
- Owner government-issued ID
- Voided business check or wire instructions
- Use of funds in one sentence
Start the clock
One BizKred application gets you in front of fast-funding lenders today. Pre-qualification is a soft pull.
Frequently asked questions
How fast can I really get funded?
With complete documentation, working capital and MCAs can fund in 24–72 hours. Term loans typically take 2–5 business days. SBA takes 30–90 days.
What slows funding down?
Missing bank statements, mismatched legal name vs EIN, slow signature, and incomplete owner ID. Most delays are document delays, not lender delays.
Can I apply on a weekend?
Yes, but funding wires only move on business days. A Friday afternoon approval usually funds Monday or Tuesday.
Does fast funding cost more?
Often yes. Speed and convenience are priced in. If you can wait two weeks, a term loan is usually cheaper.
What's the fastest product?
Merchant cash advances and revenue-based financing typically fund quickest because underwriting is bank-statement-driven.