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SBA Loans — Understand Your Options and Get Matched

SBA loans offer competitive rates and long terms for qualifying businesses. Learn about 7(a), 504, and other programs. We’ll help you understand eligibility and connect you with options that fit.

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 Learn About SBA Loans with OneDayCap?

  • Education first

    We explain how SBA loans work—7(a), 504, microloans—so you can decide if they’re right for you. Even if we don’t originate SBA directly, we help you get informed and explore all options.

  • Wide range of options

    SBA isn’t the only path. We match you with a variety of funding options. If an SBA loan isn’t available or takes too long, we can help you find alternatives that fit your timeline.

  • One application

    Apply once and we’ll help you see what you may qualify for—including options that complement or substitute for SBA programs. Fast decisions so you’re not left waiting.

Frequently Asked Questions

What is an SBA loan?
SBA loans are loans made by lenders (banks, credit unions, or non-bank lenders) that are partially guaranteed by the U.S. Small Business Administration. That guarantee can mean lower rates and longer terms for borrowers who qualify. Common types include 7(a), 504, and microloans.
What is the difference between SBA 7(a) and 504?
7(a) loans are general-purpose loans for working capital, equipment, or real estate, and can be used flexibly. 504 loans are for fixed assets (real estate, equipment) and involve a Certified Development Company (CDC) and a lender. Both are SBA-backed; we can help you understand which might fit your use of funds.
Does OneDayCap offer SBA loans?
We connect you with a network of funding options. Depending on your profile and needs, that may include SBA-style products or other term loans and lines of credit. Apply online and we’ll match you with options—and help you understand how SBA programs work so you can make an informed choice.

Ready for SBA Loans?

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

Apply Now

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