OneDay Capital
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Merchant Cash Advance — Revenue-Based Financing That Fits

Get funding tied to your daily sales or bank deposits. Repayments align with your cash flow so you’re not locked into a fixed payment. Fast approval and same-day funding available.

OneDayCap is an AI-native Capital Advisory & Funding Infrastructure Platform serving U.S. small businesses.

  • 100% Online
  • Instant Pre-Approval Quote
  • Real-Time Funding Decisions
  • 50+ Active Funders
See If You Qualify

A Simple, Efficient Process

How it works

1

Apply Online

Complete a short application in minutes. No collateral required.

2

Cash-Flow Review

Your business is evaluated based on actual performance - not your personal credit score.

3

Capital Arranged

Receive a fast decision. In many cases, funds are delivered within one business day.

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Customer Reward Program

Limited-Time

Fund through OneDay Capital and receive a FREE reward based on the total funded amount.*

Funding: $20k+
Gift: AirPods Pro 3 earbuds
Funding: $100k+
Gift: iPad Air
Funding: $150k+
Gift: iPhone 17
Funding: $250k+
Gift: Apple MacBook Air
Funding: $500k+
Gift: Travel rewards (up to $5,000 value)
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Takes just minutes.

Why Businesses Choose OneDay Capital

  • ✓Same-day funding decisions
  • ✓No collateral required
  • ✓Minimal documentation
  • ✓Credit score is not the deciding factor
  • ✓Multiple funding options available
  • ✓Funds usable for any business purpose

Why Merchant Cash Advance with OneDayCap?

  • Cash flow–friendly repayment

    Repayments are typically a percentage of daily card sales or bank deposits. When sales are higher, you pay more; when they’re lower, you pay less. That can ease the burden of fixed monthly payments.

  • Speed

    Many MCAs offer same-day or next-day funding. We connect you with funders that can move quickly so you can cover payroll, inventory, or opportunities without delay.

  • Simple application

    Apply online with basic business and bank information. We match you with daily repayment business funding options based on your revenue and industry.

Frequently Asked Questions

What is a merchant cash advance?
A merchant cash advance (MCA) is funding in exchange for a portion of your future sales or receivables. You receive a lump sum and repay via a percentage of daily card sales or daily/weekly debits from your bank account. It’s a form of revenue-based financing, not a traditional loan.
How does daily repayment work?
Repayment is usually a fixed percentage of your daily card sales, or a fixed amount debited daily or weekly from your bank account. That way payments rise and fall with your revenue, which can help with cash flow management.
Is an MCA right for my business?
MCAs can work well for businesses with strong daily or weekly revenue that prefer payments that flex with sales. They’re often used for short-term needs like payroll, inventory, or seasonal gaps. We help you see options and terms so you can decide what fits.

Ready for Merchant Cash Advance?

Apply in minutes. No impact to your credit to check eligibility.

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