How we picked
Filtered to funders whose published speed is 'as fast as 24 hours' or faster. Ranked by minimum requirements (lower bar = more useful) and contract transparency.
Top picks at a glance
| Lender | Best for | Amount | Speed | Min credit | Action |
|---|---|---|---|---|---|
| Credibly | Fastest for 550+ credit + 6+ months TIB | $5K – $600K | As fast as 4 hours | 550+ | Apply → |
| OnDeck | Same-day funding for established merchants | $5K – $400K (term); $6K – $200K (LOC) | Same-day for approved files | 600+ | Apply → |
| Fundbox | Fastest LOC for newer businesses | $1K – $150K | As fast as 1 day | 600+ | Apply → |
| Stripe Capital | Fastest for Stripe-using SaaS | $500 – $1,000,000+ (varies by Stripe volume) | Funds same business day for eligible merchants | No FICO check — underwrites against Stripe data | Apply → |
| Shopify Capital | Fastest for Shopify e-commerce | $200 – $2,000,000+ | Funds in 2 – 5 business days after acceptance | No FICO check — uses Shopify sales data | Apply → |
| PayPal Working Capital | Fastest for PayPal-heavy sellers | $1,000 – $250,000 | Funding in minutes once accepted | No FICO check — uses PayPal sales history | Apply → |
| Wayflyer | Fastest for e-commerce inventory | $10,000 – $20,000,000 | Funding in 24 hours | No FICO check — underwrites against platform data | Apply → |
| Amazon Lending | Fastest for Amazon FBA sellers | $1,000 – $750,000 | Funds in 5 business days once accepted | No FICO check — uses Amazon seller history | Apply → |
Advertiser disclosure: Fundnode may earn referral fees from funders listed on this page when you apply through us. This does not affect editorial rankings — see our methodology.
Detailed reviews — our 8 picks
#1 · Fastest for 550+ credit + 6+ months TIB
Credibly
Max amount
$600K
Cost
Factor 1.11+ (MCA)
Speed
As fast as 4 hours
Min credit
550+
Why we picked it
As fast as 4 hours for clean files. $5K-$600K. Multi-product means more chance of fit. Strongest combo of speed + transparency in 2026.
The strength
March 2026 API V2 + Cloudsquare integration — most modern submission UX in MCA. $3B+ deployed, 60K+ SMBs. Publishes factor rates honestly (starting 1.11 for A-paper).
The watch-out
The 1.11 headline is the A-paper floor; average factor is closer to 1.32. ISO commission terms aren't public.
Qualifications
6 months
$15,000
550+
#2 · Same-day funding for established merchants
OnDeck
Max amount
$400K (term); $6K
Cost
Term APR 27%+
Speed
Same-day for approved files
Min credit
600+
Why we picked it
Same-day funding once approved. 12+ months TIB, 600+ credit. Direct lender — no broker markup.
The strength
Direct-lender brand trust. Same-day funding on approved files. Term loan product fills the gap between SBA and MCA.
The watch-out
Their broker/ISO program has a high entry bar (2+ years, $1M+/mo volume). Most merchants access OnDeck directly, not via brokers.
Qualifications
12 months
$8,000
600+
#3 · Fastest LOC for newer businesses
Fundbox
Max amount
$150K
Cost
Weekly fee structure
Speed
As fast as 1 day
Min credit
600+
Why we picked it
1-day funding from approval. 6+ months TIB, 600+ credit. Better than MCA pricing if you qualify (LOC structure).
The strength
Lower bar than Bluevine. API-first / embedded narrative makes it the easiest LOC to integrate. Fast first-draw funding.
The watch-out
Smaller draws ($150K cap). APR-equivalent often higher than Bluevine for the same merchant profile.
Qualifications
6 months
$8,000
600+
#4 · Fastest for Stripe-using SaaS
Stripe Capital
Max amount
$1,000,000+ (varies by Stripe volume)
Cost
Single fixed fee disclosed at offer (typically 5 – 18%)
Speed
Funds same business day for eligible merchants
Min credit
No FICO check — underwrites against Stripe data
Why we picked it
Funds same business day for eligible Stripe merchants. Pre-qualified offers in dashboard — no application. Single-fee pricing.
The strength
Best-in-class developer/founder experience. Embedded directly in Stripe Dashboard with pre-qualified offers. Single fee structure. Repayment auto-deducted as percentage of daily Stripe transaction volume. Strong fit for SaaS, marketplaces, platforms.
The watch-out
Only available to active Stripe merchants. Stripe chooses offer eligibility — can't request. Repayment percentage (typically 10-25% of daily Stripe sales) reduces operating cash. Changing payment processors mid-loan triggers payoff acceleration.
Qualifications
6 months
Stripe processing volume drives offers
No FICO check — underwrites against Stripe data
#5 · Fastest for Shopify e-commerce
Shopify Capital
Max amount
$2,000,000+
Cost
Single fixed fee — typical 5 – 14% of advance
Speed
Funds in 2 – 5 business days after acceptance
Min credit
No FICO check — uses Shopify sales data
Why we picked it
2-5 days from acceptance. Pre-qualified offers in Shopify admin. No FICO check. Repayment as % of daily Shopify sales.
The strength
Most merchant-friendly embedded financing in commerce. Single fee, no compounding factor. Repayment as percentage of daily Shopify sales (typically 9-17%) — scales with revenue. Pre-qualified offers in Shopify admin. No personal guarantee on standard offers.
The watch-out
Only for Shopify-hosted stores. Shopify selects which merchants get offers — can't apply. If you migrate off Shopify mid-loan, balance must be repaid in full. Higher-tier offers may include personal guarantee.
Qualifications
6 months
Shopify GMV drives offers — typically $10K+/mo
No FICO check — uses Shopify sales data
#6 · Fastest for PayPal-heavy sellers
PayPal Working Capital
Max amount
$250,000
Cost
Single fixed fee disclosed at offer (typically 8 – 18% of advance)
Speed
Funding in minutes once accepted
Min credit
No FICO check — uses PayPal sales history
Why we picked it
Funds in minutes once accepted. No application. Repayment via daily PayPal sales percentage. Single fixed fee.
The strength
Embedded in PayPal seller dashboard — pre-approved offers appear with no application. Repayment as percentage of daily PayPal sales (10-30% depending on offer). Single fixed fee, no compounding. Strong fit for PayPal-heavy sellers.
The watch-out
Only available to merchants processing significant volume through PayPal. Loan amount capped at fraction of trailing PayPal sales. If you reduce PayPal volume mid-loan, repayment continues via fixed daily debits — losing the natural sales-percentage flexibility.
Qualifications
3 months
$15,000 in PayPal sales (typical)
No FICO check — uses PayPal sales history
#7 · Fastest for e-commerce inventory
Wayflyer
Max amount
$20,000,000
Cost
Single fee 3 – 8% of advance
Speed
Funding in 24 hours
Min credit
No FICO check — underwrites against platform data
Why we picked it
24-hour funding. Underwrites via Shopify/Amazon/Stripe data. Single fee. Designed for inventory pre-buy and marketing scale.
The strength
Built specifically for e-commerce — underwrites using your Shopify/Amazon/Stripe data, not bank statements alone. Single-fee structure (no compounding factor). Repayment as percentage of daily sales — scales with revenue. Backed by Tiger Global, J.P. Morgan among others.
The watch-out
Only works for e-commerce/DTC brands with verified platform sales. Single fee can equate to 30-60% APR for fast-repaying deals. Some merchants report aggressive renewal pressure.
Qualifications
6 months
$20,000
No FICO check — underwrites against platform data
#8 · Fastest for Amazon FBA sellers
Amazon Lending
Max amount
$750,000
Cost
APR varies (typical 6 – 16% APR for term loans)
Speed
Funds in 5 business days once accepted
Min credit
No FICO check — uses Amazon seller history
Why we picked it
5-day funding for invited sellers. Lower cost than MCA. Repayment via Amazon settlements.
The strength
Invitation-only product for Amazon FBA sellers with strong sales history. Repayment via Amazon settlements (auto-deducted). Lower cost than most MCA alternatives. No personal guarantee on standard offers.
The watch-out
Invitation-only — Amazon picks who gets offers. Cannot apply. Funds must be used for Amazon-related business expenses per terms. If Amazon account is suspended, loan terms can accelerate.
Qualifications
12 months
Amazon sales volume drives offers
No FICO check — uses Amazon seller history
Frequently asked questions
- Can I get business funding the same day?
- Yes — Credibly funds in as fast as 4 hours, OnDeck funds same-day on approved files, and processor-embedded products (Stripe Capital, PayPal Working Capital) fund in minutes for pre-qualified merchants.
- What's the catch with fast business funding?
- Speed typically costs 0.05-0.15 more on the factor rate vs equivalent 1-week alternatives. Underwriting is more automated, which means smaller deals (under $250K typical). Fast funders may also have less flexible contract terms (less reconciliation, more aggressive ACH).
- How fast can an MCA fund?
- Clean files (consistent revenue, no NSFs, no second positions) can fund in 4-24 hours with Credibly, OnDeck, or Greenbox. Files needing additional documentation or larger amounts ($250K+) take 2-5 days.
- Are 24-hour business loans legitimate?
- Yes — established direct funders (Credibly, OnDeck, Fundbox) genuinely fund in 24-48 hours. Be cautious of brokers promising 'guaranteed approval in hours' — that's often pressure-selling rather than actual capability.
Related reading
Methodology. Rankings on Fundnode are editorial — we filter our database of 100 funders against the specific use case for this page, then rank by qualifying criteria (transparency, speed, contract terms, customer experience signals). We earn referral fees from some funders when merchants apply via Fundnode; ranking is independent of fee structure. Updated 2026-06-24.