About OneDay Capital
We built OneDay Capital to solve a simple problem: the small business funding process is broken. Too slow, too opaque, too dependent on a credit score that doesn't capture the full picture of a business.
50+
Active funding partners
$5M+
Maximum funding amount
24 hrs
Typical time to fund
500+
Minimum credit score accepted
Our Mission
The U.S. has a $250–$400 billion annual credit gap for small businesses. Banks have largely exited small business lending below $500,000. The businesses left behind aren't uncreditworthy — they're underserved by a system that wasn't designed for them.
OneDay Capital's mission is to close that gap using AI. Our platform analyzes your actual business cash flow and matches your profile to funders whose criteria genuinely fit — not just whoever picks up the phone first.
One application. 50+ funders. Decisions in hours, not weeks. That's the standard we're building toward.
Why We're Different
AI-native underwriting
We analyze bank statement patterns, revenue trends, and cash flow health — not just a three-digit credit score.
50+ funder network
One application surfaces offers from our entire network simultaneously. No filling out 10 applications and collecting 10 credit hits.
Revenue-first philosophy
We believe your business's actual performance should determine your access to capital — not your FICO score from 3 years ago.
Transparent comparison
We show you real offers with real terms — factor rates, APR equivalents, and total cost — so you can compare and decide with full information.
Funding Products We Work With
We work with 50+ active funders across 8 product categories. One application surfaces all of them.
Working Capital Loans
Same-day decisions, $5K–$5M+
Merchant Cash Advance
Revenue-based, 500+ credit
SBA Loans
7(a) & 504, government-backed
Equipment Financing
Asset-backed, $10K–$5M+
Business Line of Credit
Revolving credit, $5K–$2M
Term Loans
Fixed repayment, $25K–$5M
Revenue-Based Financing
Flexible repayment, $20K–$10M
Invoice Factoring
Receivables-backed, B2B
Our Team
OneDay Capital Team
Capital Advisory · AI-Native Lending Platform · Based in the United States
The OneDay Capital team combines deep expertise in small business finance, alternative lending, and AI-native product development. Our advisors understand cash flow underwriting, MCA factor rates, SBA programs, equipment financing, and revenue-based lending — and have helped hundreds of small businesses across the United States access capital they couldn't find through traditional channels.
Our writing team produces educational content grounded in real lending experience — factor rate mechanics, SBA eligibility requirements, how funders actually underwrite applications. We believe business owners deserve clear, accurate information to make informed capital decisions.
Areas of Expertise
Ready to Find Your Funding?
Apply in 5 minutes. 50+ funders. Same-day decisions. No credit impact to check eligibility.
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