Retail Capital for
Inventory & Growth.
Stock up, expand, and bridge seasonal gaps — with same-day decisions based on your revenue, not just your credit score.
50+
Active Funders
$5M+
Max Funding
Same Day
Decisions
500+
Min. FICO
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+
Real Estate Cash-Out
Use the equity in your commercial property, investment real estate, or home to fund your business. Existing MCAs, low credit, and second-position liens often acceptable across our lender panel.
$100K - $20M+
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 Retail Businesses Qualify Easily
Retail businesses generate consistent daily POS and card sales — the perfect revenue profile for same-day funding decisions. Our AI matches your store to the right product from 50+ funders in minutes.
- Inventory buydown: Buy large lots at discounted prices before a peak season
- Seasonal ramp-up: Staff up and stock shelves before holidays or events
- Store buildout or renovation: Refresh your space to drive more foot traffic
- New location: Expand to a second or third storefront
- E-commerce expansion: Fund ads, platform fees, and fulfillment infrastructure
Retail Funding Requirements
Monthly revenue
$10,000+ in gross deposits or card sales
Time in business
3+ months (6+ preferred)
Credit score
500+ personal FICO
Documentation
3–6 months of bank/processor statements
Collateral
Not required for most products
Industry
All retail: brick-and-mortar, e-commerce, pop-up
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.
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