6 Best Same-Day Business Loans for 2025

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For businesses needing quick access to working capital, a same-day business loan may fit the bill. It can provide you with a simple application process, usually with minimal documentation required. The best options will offer flexible qualifications, various loan types, and favorable rates and terms. I’ve reviewed the best same-day business funding options across various lenders, with my top picks detailed below.

  • Best overall for flexible qualification requirements: Lendio
  • Best for a variety of flexible loan options: Credibly
  • Best for businesses seeking short-term financing: Bluevine
  • Best for tailored financing solutions: National Funding
  • Best for minimal documentation requirements: QuickBridge
  • Best for large funding needs: Fora Financial

Best same-day business loans at a glance

Max. loan amount
Repayment term
Est. starting rate
Funding speed
Lendio
$10 million
Varies per loan type
Varies per loan type
As fast as same-day
Credibly
$10 million
24 months
1.11x factor rate
As fast as same-day
Bluevine
$250,000
Up to 12 months
7.8%
As fast as same-day
National Funding
$500,000
Varies
1.11x factor rate
As fast as same-day
QuickBridge
$500,000
18 months
1.11x factor rate
Within 24 hours
Fora Financial
$1.5 million
Varies
1.1x factor rate
As fast as same-day

Lendio: Best overall for flexible qualification requirements

Image: Lendio

Lendio is a standout choice if you’re looking to explore various loan options. With a network of over 75 partnering lenders, it has multiple loan options you can apply for with a single application, saving you time and money. Whether you’re seeking a line of credit, working capital, or equipment financing, Lendio’s broker services can connect you with lenders offering products tailored to your business needs.

I recommend Lendio for its flexible qualifications, regardless of whether you’re a startup, a borrower with less-than-ideal credit, or a company looking for a large loan amount. Depending on the loan type you choose, you can receive both approval and funding as fast as same-day.

After filling out a short online application, you’ll be paired with a funding specialist who will guide you through your potential options and ensure you’re matched with the best financing option for your business. They’ll review your application, answer any questions, and ensure you’re matched with the best lender that understands your financing needs.

How to qualify

  • Credit score: Varies by loan product
  • Time in business: Varies by loan product
  • Annual revenue: Varies by loan product

Loan types & details

Loan amount
Interest rate
Repayment terms
A/R financing
Up to $10 million
3% and up
Up to 1 year
Short-term loan
$10,000 to $5 million
8% and up
6 months to 7 years
Equipment financing
$5,000 to $5 million
7.5% and up
1 to 10 years
Cash advance
$5,000 to $1 million
18% and up
3 to 36 months
Line of credit
Up to $250,000
8% to 60%
6 to 24 months

Features

  • Access to over 75 lenders with a single application
  • Quick application process (10-15 minutes)
  • Fast approval and funding (as fast as same-day)
  • Dedicated funding specialists to help you
  • Various financing options

Pros and cons

Pros Cons
  • Variety of loan options across multiple lenders
  • Quick approval and funding timeline
  • Dedicated funding specialists offered
  • Flexible qualifications
  • Interest rates can vary widely depending on the lender and loan type
  • Additional fees may apply based on the lender
  • Lendio is not a direct lender, but rather a broker

Credibly: Best for a variety of flexible loan options

Credibly logo.
Image: Credibly

I chose Credibly for its variety of loans, which have quick funding speeds and overall flexibility. It offers a wide variety of business loans, including working capital loans, merchant cash advances, business lines of credit, and equipment financing. Each offers quick access to financing and is designed to meet the unique needs of various business industries.

You can receive approval within as little as four hours by completing a simple and efficient online application. Depending on the loan type, funding can be available as quickly as the same day, helping you gain access to capital if your business has time-sensitive financing needs.

How to qualify

  • Credit score: Minimum of 500 (can vary per loan type)
  • Time in business: At least 6 months
  • Monthly revenue: Minimum of $15,000

Loan types & details

Loan amount
Interest rate
Repayment terms
Equipment financing
$10,000 to $10 million​
Varies
Varies
Working capital loans
$25,000 to $600,000
Factor rates starting at 1.11​x
6 to 24 months
Business lines of credit
Up to $600,000
Factor rates starting at 1.11​x
3 to 24 months
Merchant cash advances
Up to $600,000
Factor rates starting at 1.11​x
3 to 24 months

Features

  • Same-day funding for most loan types (as quick as four hours)
  • Multiple loan options for a wide variety of business needs
  • Flexible qualifications, even for businesses with low credit scores

Pros and cons

Pros Cons
  • Quick approval and funding timeline
  • Various loan types available for different types of business needs
  • Flexible qualification requirements
  • Simple application process
  • Loan terms, interest rates, and fees can vary widely depending on the loan type and qualifications
  • Funding may not be guaranteed

Bluevine: Best for businesses seeking short-term financing

Bluevine logo.
Image: Bluevine

Bluevine stands out to me because of its combination of competitive rates, quick approval and funding speeds, and flexible repayment options. Its line of credit is a solid option if you seek fast access to capital with favorable rates and terms. It’s also ideal if you need to make quick decisions and move fast without the stress of high fees or long wait times, which is why I chose it as the best pick for short-term financing needs. Notably, it’s also in our roundup of the best business lines of credit.

The application process is quick and easy to fill out. You can apply online in as little as five minutes, and if approved, you can access funds as fast as the same day. With low starting rates and flexible repayment terms, Bluevine’s offerings are designed to help businesses manage their finances efficiently without any complicated processes.

How to qualify

  • Credit score: 625 or higher
  • Time in business: At least 12 months
  • Annual revenue: $120,000 or more

Loan type & details

  • Loan type: Small business line of credit
  • Loan amount: Up to $250,000
  • Interest rate: Starting at 7.8%
  • Estimated APR: 8%+
  • Repayment term: 26 weeks or 12 months
  • Repayment schedule: Weekly or monthly

Features

  • Fast application process (as little as 5 minutes)
  • Same-day funding available
  • Flexible repayment terms and schedules
  • Low starting interest rates
  • No hidden fees, making it ideal for businesses with limited resources

Pros and cons

Pros Cons
  • No impact to personal credit score when applying
  • Flexible repayment terms and limited fees
  • Ideal for access to short-term capital
  • Not available in all states (Nevada, North Dakota, and South Dakota are excluded)
  • Some industries are ineligible for financing (e.g., gambling, firearms)
  • General partnerships or sole proprietorships are not applicable

National Funding: Best for tailored financing solutions

National Funding logo.
Image: National Funding

I chose National Funding’s working capital loan because of its ability to provide tailored financing solutions that work with a broad range of qualifications, making it an especially ideal option if your business has less-than-ideal credit or limited resources. It’s also valuable for companies facing unexpected costs or looking to get funding for time-sensitive opportunities in which traditional financing might be too slow or have stricter requirements.

This short-term financing option provides quick access to capital and considers factors other than credit scores, making it a great choice if your business may not qualify for traditional bank loans. With a streamlined application process and opportunity for fast funding timelines, National Funding ensures that you can typically secure the capital you need quickly, allowing you to address immediate operational needs or emergency expenses without long waiting times.

How to qualify

  • Credit score: 600+
  • Time in business: 6 months
  • Annual revenue: $250,000

Loan type & details

  • Loan type: Working capital loan
  • Loan amount: Up to $500,000
  • Interest rate: Factor rates as low as 1.11x
  • Term length: Varies
  • Funding speed: As fast as same-day

Features

  • Flexible credit requirements
  • Short-term financing options
  • Early payoff discounts
  • Dedicated funding specialist provided

Pros and cons

Pros Cons
  • Fast approval and funding
  • No collateral required for most loans
  • Simple application process with minimal documentation
  • Short repayment terms
  • Flexible daily or weekly repayment schedules
  • Additional fees, including origination and processing fees
  • Shorter repayment terms may be challenging for some businesses
  • Repayment schedules may not suit all cash flow needs

QuickBridge: Best for minimal documentation requirements

QuickBridge logo.
Image: QuickBridge

Known for its great customer service and fast approval processes, QuickBridge provides businesses with access to working capital and short-term loans that require minimal documentation. For those looking to cover immediate expenses or wanting a simple application process, it can provide financing tailored to your business needs, with funding as quick as within 24 hours. As such, it’s one of my top picks for borrowers looking for a seamless application experience with minimal documentation required.

You can receive an approval decision in just a few minutes. QuickBridge ensures that businesses of various sizes and industries can find a financing option best suited to their needs and offers loans with favorable rates and terms for businesses needing same-day financing.

How to qualify

  • Credit score: 600+
  • Time in business: 6 months
  • Annual revenue: $250,000

Loan types & details

  • Loan type: Working capital and short-term loans
  • Loan amount: Up to $500,000
  • Interest rate: Factor rates starting at 1.11x
  • Repayment terms: Up to 18 months

Features

  • Quick approval and funding timeline (often within 24 hours)
  • Excellent customer service
  • Simple online application process
  • Minimal documentation requirements

Pros and cons

Pros Cons
  • Quick approval and funding processes
  • Minimal documentation needed to apply
  • Flexible qualification requirements
  • May not suit businesses with longer-term financial needs
  • Businesses with low revenue or shorter time in business may not qualify

Fora Financial: Best for large funding needs

Fora Financial logo.
Image: Fora Financial

Fora Financial makes the list for those with large funding needs, as it offers one of the highest loan amounts in this guide — in addition to quick access to funds with a simplified application process. Its noteworthy feature is that it provides opportunities to increase borrowing amounts once you’ve paid off at least 60% of the original loan, which can be great if you’re looking to use funds for growth opportunities or recurring business expenses.

The lender offers small business loans, revenue advances, and lines of credit with same-day approvals. These can apply to numerous business industries and uses and provide funding solutions specific to your business’s needs, whether you’re looking for a revolving credit facility or a lump sum payout.

Fora Financial offers a streamlined application and approval process, requiring minimal documentation and no hard credit pulls to get started. Also, you can apply fee-free and get a no-obligation quote for its term loans. From there, you can work with one of its Capital Specialists to go over your financing options.

How to qualify

  • Credit score: 570+
  • Time in business: 6 months
  • Annual revenue: $240,000

Loan types & details

Loan amount
Interest rate
Repayment terms
Term loan
Up to $1.5 million
Factor rates from 1.1 to 1.9x
Up to 18 months
Revenue advances
Up to $1.5 million
Factor rates from 1.1 to 1.9x
Fixed percentage of daily or weekly receipts
Business line of credit



Funding speed24 to 48 hours

$5,000 to $100,000
Varies
12, 18, and 24 months

Features

  • Simple application process
  • Low credit score requirements
  • Less documentation than other traditional providers
  • Quick access to funds
  • Offers secured and unsecured options

Pros and cons

Pros Cons
  • No hard credit pulls
  • Quick access to funds
  • No prepayment penalties for early repayment
  • Uses factor rates
  • Some loans may have origination fees
  • Short repayment terms

How I chose the best same-day small business loans

The best same-day business loans were selected using the following criteria:

  • Application, approval, and funding speeds
  • Interest rates, fees, and estimated APRs
  • Qualification requirements
  • Ease of application
  • Amount of documentation required for loan approval
  • Loan terms, including loan amount and repayment period
  • Number and types of loan programs offered
  • Customer reviews and ratings

How to choose a provider

When shopping around for a same-day business loan, there are a few factors to consider when choosing a lender.

  • Consider your business financing needs. Based on the specifics of your funding requirements, evaluate which type of financing aligns best with your business operations, such as a line of credit, working capital loan, or other short-term financing methods.
  • Review lender qualification requirements. Lenders have different qualification criteria to assess your eligibility. Factors like credit score, time in business, and annual revenue will all be evaluated during the review process. Ensure you meet the minimum requirements to improve your chances of approval before submitting your application.
  • Compare loan costs and terms. Based on your budget and business needs, it’s important to partner with a lender who understands your situation and can assist you throughout the process. Carefully review all associated costs, such as repayment terms and potential fees, and compare rates and terms from different lenders to find the best fit before finalizing any agreement.

Pros and cons of same-day business loans

Pros Cons
Quick access to funds to use for a variety of business purposes. Interest rates and associated fees are typically higher than other loan types.
Application process is usually simplified and requires minimal documentation. Repayment terms are often short.
Qualification requirements are often flexible depending on the loan type and lender. Some loan options may be limited or only applicable to well-qualified borrowers.

Alternatives to same-day business loans

Immediate business loans may not be available to all businesses. In the event you don’t qualify or are simply exploring all of your applicable financing options, consider the following alternatives:

  • Crowdfunding: This enables you to raise money from the public via a platform where you can pitch your campaign to potential donors and investors. In return, you typically offer different types of rewards, which may include debt-, equity-, donations-, or rewards-based incentives.
  • Friends and family loan: This is a more informal method of securing financing, where you borrow money from friends or family without the qualification requirements of traditional lenders. While you’ll need to apply the applicable federal rate to comply with tax regulations, it can be a useful option if resources are limited.
  • Rollover for Business Startups (ROBS): This allows you to use your retirement savings to fund your business without incurring taxes or penalties. Generally, a minimum investment of $50,000 is required to get started.

Frequently asked questions (FAQs)

Can you get a business loan the same day?

Yes. Some lenders offer instant business loans in which funds can be issued immediately or within a few hours. Qualifications for these types of loans will vary based on the loan type and lender you seek, so you should only apply with lenders you think you are well-qualified for.

What is the quickest way to get a business loan?

Certain loan types are quicker to get than others. These include lines of credit, short-term working capital loans, or alternative financing methods like invoice factoring or merchant cash advances.

What credit score is needed for a same-day business loan?

Credit score requirements can vary per loan type and lender. Generally, the higher your score, the better your odds of approval. You should aim for 650 and above, although some lenders are more flexible and will work with borrowers with less-than-ideal credit or limited resources.

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