Working Capital When You Need It
Flexible funding for payroll, inventory, equipment, and daily operations. See your pre-approval in minutes—funding available the same day.
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
A Simple, Efficient Process
How it works
Apply Online
Complete a short application in minutes. No collateral required.
Cash-Flow Review
Your business is evaluated based on actual performance - not your personal credit score.
Capital Arranged
Receive a fast decision. In many cases, funds are delivered within one business day.
Customer Reward Program
Limited-TimeFund through OneDay Capital and receive a FREE reward based on the total funded amount.*
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 Working Capital from OneDayCap?
Speed
Get a pre-approval quote in minutes and funding as soon as the same day. No long bank waits.
Flexibility
Use funds for payroll, inventory, rent, marketing, or any business need. No restrictive covenants.
Simple process
100% online application. We work with your real cash flow and business data—no collateral required for many options.
Frequently Asked Questions
- What can I use working capital for?
- You can use working capital for any business purpose: payroll, inventory, rent, utilities, marketing, equipment, expansion, or covering seasonal gaps. Funds are not restricted to a single use.
- How fast can I get funded?
- Many applicants see a pre-approval quote within minutes. If you qualify and accept terms, funding can be delivered the same day or within 1–2 business days, depending on the product and funder.
- Do I need collateral?
- Many of our working capital options are unsecured and based on your business revenue and cash flow. Requirements vary by product and funder; we match you with options that fit your situation.