Revenue Is What
Matters, Not Your Score.
500+ FICO accepted. Our AI evaluates your actual business performance — not just three digits — and matches you to funders who specialize in revenue-first underwriting.
No impact to your credit score to check eligibility
500+
Min. FICO Accepted
$5M
Max Funding
24–48 hrs
To Funding
50+
Active Funders
Avg. Funding
$150K
Same day ⚡
$150,000
FUNDED
Term 20 weeks
Industry Retail
www.onedaycap.com
subs@onedaycap.com
$250,000
FUNDED
Term 40 weeks
Industry Restaurant
www.onedaycap.com
subs@onedaycap.com
$500,000
FUNDED
Term 30 weeks
Industry Medical
www.onedaycap.com
subs@onedaycap.com
$75,000
FUNDED
Term 12 weeks
Industry Contractor
www.onedaycap.com
subs@onedaycap.com
$150,000
FUNDED
Term 20 weeks
Industry Retail
www.onedaycap.com
subs@onedaycap.com
$250,000
FUNDED
Term 40 weeks
Industry Restaurant
www.onedaycap.com
subs@onedaycap.com
$500,000
FUNDED
Term 30 weeks
Industry Medical
www.onedaycap.com
subs@onedaycap.com
$75,000
FUNDED
Term 12 weeks
Industry Contractor
www.onedaycap.com
subs@onedaycap.com
$150,000
FUNDED
Term 20 weeks
Industry Retail
www.onedaycap.com
subs@onedaycap.com
$250,000
FUNDED
Term 40 weeks
Industry Restaurant
www.onedaycap.com
subs@onedaycap.com
$500,000
FUNDED
Term 30 weeks
Industry Medical
www.onedaycap.com
subs@onedaycap.com
$75,000
FUNDED
Term 12 weeks
Industry Contractor
www.onedaycap.com
subs@onedaycap.com
$150,000
FUNDED
Term 20 weeks
Industry Retail
www.onedaycap.com
subs@onedaycap.com
$250,000
FUNDED
Term 40 weeks
Industry Restaurant
www.onedaycap.com
subs@onedaycap.com
$500,000
FUNDED
Term 30 weeks
Industry Medical
www.onedaycap.com
subs@onedaycap.com
$75,000
FUNDED
Term 12 weeks
Industry Contractor
www.onedaycap.com
subs@onedaycap.com
Discover a variety of funding options available for your business.
Bad Credit Business Funding
Access capital even with challenged credit. Our funders look at your business revenue and operations, not only your score.
$10K - $50K
Equipment Financing
Finance machinery, vehicles, or technology without a large upfront payment. Terms can match the life of the asset so you keep cash for day-to-day operations.
$25K - $5M+
Merchant Cash Advance
Get an advance tied to your daily sales or deposits. Repay as a share of revenue so payments move with your business. Same-day or next-day funding often available.
$20K - $5M+
SBA Business Funding
SBA 7(a), 504, and related programs offer longer terms and competitive rates. We help you learn how they work and get matched with options that may fit.
$50K - $5M+
Business Line of Credit
A revolving line you can draw from as needed. Use it, repay it, and use it again without a new application. Suits seasonal or ongoing capital needs.
$5K - $2M
Business Term Funding
Borrow a set amount and repay on a fixed schedule. Good for one-time needs like buying equipment or expanding. Payments stay consistent for planning.
$25K - $5M+
Revenue Based Business Funding
Funding sized to your business income, with repayments that flex with revenue. Built for short-term needs—seasonal gaps, inventory, or quick opportunities.
$20K - $10M+
Working Capital Funding
Use funds for payroll, inventory, rent, marketing, or operations. Apply online and see pre-approval in minutes; funding can be as fast as same day.
$20K - $5M+
Simple Process
Funding in 3 steps
01
Apply in 5 minutes
Answer a few questions about your business. No paperwork, no faxing, no branch visits.
02
See your offers
Our AI matches you with 50+ funders in real time. Compare rates and terms side by side.
03
Funds hit your account
Sign digitally and receive working capital the same day — often within hours.
Why OneDayCap
Built for speed.
Designed for you.
Same-Day Funding
From application to funded in as little as a few hours.
50+ Funders
The widest network of lenders competing for your business.
No Credit Impact
Checking eligibility uses a soft pull — zero effect on your score.
AI-Native Platform
Automated underwriting means faster decisions, less paperwork.
$10K – $5M
Funding for every stage — from early growth to major expansion.
100% Online
Apply from your phone, tablet, or computer. No branch required.
Why Bad Credit Doesn't Have to Stop You
Traditional banks use your credit score as the primary filter. Revenue-based funders care most about your monthly deposits and sales volume — because that's what actually determines your ability to repay. If your business generates consistent revenue, you may qualify even with a score as low as 500.
Merchant Cash Advance
Min. credit: 500+
Speed: Same day
Amount: $5K–$2M
Working Capital Loan
Min. credit: 500+
Speed: 24–48 hrs
Amount: $5K–$5M
Equipment Financing
Min. credit: 550+
Speed: 2–5 days
Amount: $10K–$5M+
Invoice Factoring
Min. credit: N/A
Speed: 24–48 hrs
Amount: Up to 95% of invoice
What We Look At Instead
- Monthly bank deposits: Consistent cash flowing into your account
- Daily card sales volume: Predictable POS revenue is a strong signal
- Time in business: Longevity signals stability
- NSF & overdraft frequency: Lower is better, but some are OK
- No open bankruptcies: Active bankruptcies are the main disqualifier
Trusted by owners
across the U.S.
Same-day funding. No fluff. Here's what our customers say.
"We applied on a Monday morning and had $80K in our account by noon. I didn't think same-day funding was actually real until it happened."
"Our restaurant needed new equipment fast. OneDayCap matched us with three offers within minutes. Closed in one afternoon."
"I'd tried banks before and got nowhere. This was the easiest business decision I've ever made. $55K funded in under 24 hours."
"We applied on a Monday morning and had $80K in our account by noon. I didn't think same-day funding was actually real until it happened."
"Our restaurant needed new equipment fast. OneDayCap matched us with three offers within minutes. Closed in one afternoon."
"I'd tried banks before and got nowhere. This was the easiest business decision I've ever made. $55K funded in under 24 hours."
"The application took maybe 6 minutes. I uploaded my statements, got offers, and picked the one that made sense for our cash flow."
"No hidden fees, no surprise calls, no nonsense. They were transparent from day one. $120K funded for our second location."
"I was skeptical about online lending. But the process was smooth and the team was responsive. Would absolutely use again."
"The application took maybe 6 minutes. I uploaded my statements, got offers, and picked the one that made sense for our cash flow."
"No hidden fees, no surprise calls, no nonsense. They were transparent from day one. $120K funded for our second location."
"I was skeptical about online lending. But the process was smooth and the team was responsive. Would absolutely use again."
"Compared to my bank's 6-week process, this felt like magic. Funds were in my account before I even told my business partner."
"Our seasonal business needed a bridge loan fast. OneDayCap delivered. The AI matching found options my own banker couldn't."
"They actually read our situation instead of just running a credit check. Got approved when two other platforms turned us down."
"Compared to my bank's 6-week process, this felt like magic. Funds were in my account before I even told my business partner."
"Our seasonal business needed a bridge loan fast. OneDayCap delivered. The AI matching found options my own banker couldn't."
"They actually read our situation instead of just running a credit check. Got approved when two other platforms turned us down."
Get Started Today
Ready to grow
your business?
Check your eligibility in 5 minutes. No commitment, no credit impact.
🔒 Secure · No credit impact · Free to check