Get $50K–$500K Business Funding in 24–48 Hours
Short answer: Most approved applicants receive funds within 24–48 hours. SBA Express loans take 5–10 business days due to SBA processing.
Stop waiting weeks for bank decisions. Get funded fast.
See what you qualify for — it takes about 2 minutes
No obligations and no hard credit pull. Decisions in as little as 24 hours.
Apply Online → or call (888) 490-3126
How It Works
- Apply in 5 minutes — Simple online application. No paperwork avalanche.
- Get matched instantly — We connect you with the right funding option from 75+ sources.
- Receive funds — Approved businesses get funded in as little as 24 hours.
Funding Options Available Through Fundmerica
| Product | Amount | Speed | Min. Credit |
|---|---|---|---|
| SBA Express Loan | Up to $500,000 | 36-hour SBA decision | 680+ |
| Business Line of Credit | $10K–$250K | Same day | 600+ |
| Working Capital | $25K–$500K | 24–48 hours | 550+ |
| Equipment Financing | $10K–$5M | 48 hours | 620+ |
| Revenue-Based Funding | $10K–$400K | Same day | 500+ |
Why Business Owners Choose Fundmerica
- Speed — We don’t make you wait 3–6 weeks like a bank. Funding in hours, not months.
- Options — One application, 75+ funding sources. We find the best deal, you don’t shop around.
- No obligation — Checking your options doesn’t affect your credit score.
- Real humans — A dedicated funding advisor calls you back. No chatbot runaround.
Who Qualifies?
- In business 6+ months
- $10,000+/month in revenue
- U.S. citizen or national
- Business bank account active
Not sure if you qualify? Apply anyway. We’ve funded businesses that banks turned down.
What Our Clients Say
“I applied at 10am and had $150K in my account the next morning. My bank said it would take 45 days.” — J. Martinez, General Contractor, TX
“After two bank denials, Fundmerica got me $85K with a lower rate than I expected.” — S. Thompson, Auto Repair, FL
The Best Sources for Fast Business Funding in 2026, Ranked by Speed
- Revenue-based funding — same day. Qualifies on deposits; fastest path when the need is today.
- Business line of credit — same day to 48 hours to open, instant after. The one to set up before you need it.
- Short-term loan — 24-48 hours. Lump sum for a defined one-time cost.
- Equipment financing — about 48 hours. The equipment is the collateral, so approvals stay fast.
- Invoice factoring — same week. Fastest when the money you need is already earned and invoiced.
- SBA loans — 5-60 days. Not fast, but cheapest; pair a fast product now with an SBA refinance later.
Frequently Asked Questions
How fast can I get funded?
Most approved applicants receive funds within 24–48 hours. SBA Express loans take 5–10 business days due to SBA processing.
Will applying hurt my credit score?
No. We use a soft pull to check your options. A hard pull only happens if you choose to move forward with a specific offer.
What can I use the funds for?
Anything business-related: payroll, inventory, equipment, expansion, marketing, debt consolidation, or bridging a cash flow gap.
What if I have bad credit?
We work with businesses across the credit spectrum. Revenue-based options are available for scores as low as 500.
Is Fundmerica a lender?
Fundmerica is a business financing marketplace. We match you with the optimal funding source from our network — banks, SBA lenders, credit unions, and alternative funders — so you get the best deal without shopping around.
See
Options
Compare your options with one application and a soft credit pull — no impact to your score. Call (888) 490-3126 or apply now.
Get Your Free Funding Quote
See what you qualify for in minutes — soft credit pull, no FICO impact. $10K–$500K, funded in 24–48 hours from 75+ sources.
- Soft pull only
- $10K–$500K
- 24–48 hr funding
- No obligation
Prefer to talk? Call (888) 490-3126 — no obligation.