When your business needs capital fast for a new contract, overdue vendor payment, or emergency equipment repair, waiting weeks for a loan approval just isn’t an option.
In 2025, speed matters. Small business owners are navigating supply chain delays, rising costs, and unpredictable revenue cycles. You can’t afford to miss an opportunity just because traditional funding can’t keep up.
At Approvd, we help businesses secure funding in 24–48 hours. And while not every type of financing moves that quickly, some programs are built for speed.
Below are the top five fastest ways to get business funding, ranked by how quickly you can get approved and receive the money in your account.
1. Merchant Cash Advance (MCA)
Average Funding Time: 24–48 hours
Best for: Retailers, restaurants, trucking companies, salons, and e-commerce brands with consistent daily revenue
A Merchant Cash Advance is one of the fastest ways to access capital. It’s not technically a loan – it's an advance on your future revenue. If you process regular card payments or ACH deposits, this is likely your quickest option.
At Approvd, you can get approved based on your revenue, not your credit score. No collateral. Minimal paperwork. We’ve funded MCAs in as little as 12 hours when the file is clean.
Perks:
- No hard credit pull
- Flexible repayment terms (daily or weekly)
- Works with lower credit scores
Heads up: Repayment comes directly from your sales, so be sure to pick a structure that works with your cash flow.
2. Revenue-Based Financing (RBF)
Average Funding Time: 1–2 business days
Best for: Contractors, service businesses, logistics companies, and seasonal businesses with strong deposits
Revenue-based financing adjusts your repayment schedule based on how much your business brings in. The stronger your average deposits, the more you can qualify for.
This is great for businesses that don’t process a ton of credit card sales, but still have clean, predictable income. RBF is especially useful in industries like construction, freight, and personal services.
Perks:
- Payments flex with your revenue
- Easier qualification than traditional loans
- Lower documentation requirements
3. Business Line of Credit
Average Funding Time: 2–3 business days
Best for: Agencies, consultants, e-commerce, medical practices, or anyone who needs capital in stages
If you want flexibility and fast access to cash on a rolling basis, a line of credit is a solid choice. Once approved, you can draw funds as needed with no need to reapply each time.
A business line of credit is especially helpful for managing payroll, inventory, advertising, or emergencies. At Approvd, our network includes lines that fund in under 48 hours for qualified applicants.
Perks:
- Only pay interest on what you use
- Reusable capital
- Great for managing cash flow gaps
4. Equipment Financing
Average Funding Time: 2–5 business days
Best for: Truckers, construction crews, auto repair shops, restaurants, and manufacturers
Need to upgrade your truck, buy a new fryer, or replace a crucial piece of machinery? Equipment financing helps you get the tools you need now and pay over time.
While slightly slower than working capital, this option moves quickly when documents are in place, especially for newer equipment or vehicles with clear value. Approvd works with direct equipment funders who streamline the process to skip delays.
Perks:
- Spread the cost over time
- Doesn’t tie up other credit lines
- Great for asset-heavy industries
5. Invoice Factoring (Third Party)
Average Funding Time: 3–5 business days
Best for: B2B companies with unpaid invoices from large clients
If you’re waiting on payment from a big customer or government contract, invoice factoring lets you unlock cash now even before they pay you. At Approvd, we often refer clients who are a fit for this model to partners we trust.
Perks:
- Get cash without taking on debt
- Based on customer credit, not yours
- Works well for long payment cycles
What Makes Funding Fast at Approvd
When time is tight, every step in the process matters. At Approvd, we’re built for speed, and that means everything from our application process to our funding approvals is designed to move quickly without sacrificing quality or transparency.
Here’s what really makes funding faster when you work with Approvd:
1. A Short and Simple Application
No paperwork headaches here. Our application takes just a few minutes to complete and doesn’t ask for unnecessary details up front. We keep it straightforward so you can focus on what matters: running your business.
2. Minimal Documentation
In most cases, all we need to get started are your last 3 to 6 months of business bank statements, a copy of your ID, and a voided check or bank letter. That’s it. You don’t need a business plan, tax returns, or collateral just to see your options.
3. Pre-Qualification Without Hurting Your Credit
We use a soft credit pull to pre-qualify applicants, which means there’s no impact on your credit score just for applying. This is especially helpful if you're exploring multiple funding options or rebuilding your credit.
4. Approvals Within Hours
We’ve structured our process to get most applicants approved the same day they apply and often within a few hours. If your file is clean and your deposits are strong, there’s no reason to wait.
5. Funds Hit Fast
Once approved and finalized, funding typically lands in your business bank account within 24 to 48 hours. In some cases, we’ve seen businesses funded in under a day.
You’re not just clicking buttons and hoping for the best. When you apply with Approvd, you’re matched with a real funding expert who helps you gather the right info, avoid delays, and walk through your options clearly and quickly.
Final Thoughts
When speed is the priority, you need a funding partner that won’t waste your time with paperwork, red tape, or unnecessary back-and-forth. That’s where Approvd comes in.
We’ve helped small businesses across the U.S. get funded in as little as 24 hours… because when opportunity knocks, you don’t wait. You move.
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