When Your Business Needs Capital,You Need It Fast.
See your pre-approval in minutes.
Funding available the same day.
No impact to your credit to check eligibility.
Guaranteed free gift - up to $5,000 when we fund. See details →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
- Secure Application
- Fully Automated Platform
- Serving U.S. Small Businesses
Working Capital, Delivered Fast
OneDayCap is an AI-native Capital Advisory & Funding Infrastructure Platform serving U.S. small businesses.
We assess real cash flow, act quickly, and structure funding that helps U.S. small businesses stay operational, manage obligations, and move forward with confidence.
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.
Discover a variety of funding options available for your business.
Bad Credit Business Funding
Access capital even with challenged credit. Our funders look at your business revenue and operations, not only your score.
$10K - $50K
Equipment Financing
Finance machinery, vehicles, or technology without a large upfront payment. Terms can match the life of the asset so you keep cash for day-to-day operations.
$25K - $5M+
Merchant Cash Advance
Get an advance tied to your daily sales or deposits. Repay as a share of revenue so payments move with your business. Same-day or next-day funding often available.
$20K - $5M+
SBA Business Funding
SBA 7(a), 504, and related programs offer longer terms and competitive rates. We help you learn how they work and get matched with options that may fit.
$50K - $5M+
Business Line of Credit
A revolving line you can draw from as needed. Use it, repay it, and use it again without a new application. Suits seasonal or ongoing capital needs.
$5K - $2M
Business Term Funding
Borrow a set amount and repay on a fixed schedule. Good for one-time needs like buying equipment or expanding. Payments stay consistent for planning.
$25K - $5M+
Revenue Based Business Funding
Funding sized to your business income, with repayments that flex with revenue. Built for short-term needs—seasonal gaps, inventory, or quick opportunities.
$20K - $10M+
Working Capital Funding
Use funds for payroll, inventory, rent, marketing, or operations. Apply online and see pre-approval in minutes; funding can be as fast as same day.
$20K - $5M+
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
Use Your Capital Your Way
Working capital from OneDay Capital can be used for:
- Payroll and wages
- Inventory and supplies
- Business expansion
- Equipment and repairs
- Marketing and growth initiatives
- Consolidating existing advances
- Managing short-term cash flow needs
Your business. Your priorities.
Not a Lender. A Capital Partner.
We don't push one product. We match your business with funding options that make sense - fast, transparent, and aligned with your cash flow.