Get Funded Fast — Based on Revenue,
Not Credit Score
Same-week funding from $10K to $700K. Bad credit OK. No upfront costs.
Merchant Cash Advances • Working Capital Loans
$700K
Max Funding
24-48hrs
Funding Speed
Bad Credit
OK to Apply
$0
Upfront Costs
Most banks look at your credit score first and your business second. If you've been turned down for a traditional loan, or if you just can't wait two to three months for an approval, fast business funding is built for you. At ImpactFundr, we look at what actually matters: how much money your business brings in each month.
Our fast funding products — merchant cash advances and working capital loans — are designed for business owners who need capital quickly without jumping through the hoops of bank underwriting. We fund restaurants, retail shops, contractors, trucking companies, medical offices, salons, e-commerce stores, and hundreds of other industries.
If your business is generating consistent monthly revenue, you may already qualify. Applications take minutes, approvals happen the same day in most cases, and funds can hit your account within 24 to 48 hours.
What Is Fast Business Funding?
Fast business funding is a category of short-term financing products tied to your business's revenue rather than your credit profile. The two most common products are merchant cash advances (MCAs) and working capital loans.
A merchant cash advance gives you a lump sum of capital up front in exchange for a percentage of your future daily sales. Repayments flex with your income — when sales are strong, you pay more; when things slow down, your daily repayment drops accordingly. There's no fixed monthly payment to stress over.
Working capital loans work similarly but use a fixed daily or weekly ACH repayment drawn from your business bank account. These are based on average monthly deposits rather than credit card volume alone, which opens the door to a wider range of business types.
Both products are available through ImpactFundr from $10,000 up to $700,000, with terms typically ranging from three months to eighteen months.
Problems We Solve
Denied by the bank
Bank rejections due to credit score, time in business, or lack of collateral are not the end of the road. We fund businesses banks turn away.
Need money fast
Payroll is due Friday. You landed a big contract and need materials now. Fast funding moves in days, not weeks.
Slow season cash flow gaps
Seasonal businesses often face gaps between slow periods and busy ones. Working capital bridges those gaps without disrupting operations.
Equipment breaks down unexpectedly
An emergency repair or replacement can halt your business. Quick access to capital means you stay open and keep earning.
Inventory opportunities you cannot miss
Bulk discounts, supplier deals, or restocking before a busy season often require cash on hand. Fast funding puts that cash there.
Complicated bank requirements
Banks often require years of tax returns, business plans, and collateral. We ask for three months of bank statements and a one-page application.
Key Benefits
- Bad credit is accepted — funding is based on monthly revenue, not FICO score
- Fast approvals, often the same day you apply
- Funds deposited in 24 to 48 hours after approval
- No collateral required
- No upfront fees or application costs
- Flexible repayment that adjusts with daily sales (for MCAs)
- Renew funding quickly once you have paid down a portion
- Most industries and business types accepted
Funding Details
| Detail | Range / Info |
|---|---|
| Funding Range | $10,000 to $700,000 |
| Time to Funding | 24 to 48 hours after approval |
| Credit Requirement | Bad credit OK — 500+ FICO considered |
| Time in Business | 6 months minimum |
| Revenue Requirement | $10,000+ per month |
| Repayment Method | Daily percentage of sales (MCA) or fixed daily ACH (working capital) |
| Term Length | 3 to 18 months typical |
| Collateral | Not required |
| Application Cost | $0 upfront |
| Industries | Most accepted — restaurants, retail, trucking, health, construction, and more |
How the Process Works
Apply in Minutes
Fill out our short online application. You only need basic business info and three months of bank statements.
Get Approved on Revenue
We review your monthly deposits and cash flow, not your credit score. Most approvals happen within a few hours.
Funds Deposited
Once you accept your offer, funds are wired directly to your business bank account within 24 to 48 hours.
Repay from Sales
For MCAs, a small percentage of daily sales repays the advance automatically. No manual payments to track.
Why Work With ImpactFundr
There are a lot of business funding companies online. Here's why business owners keep coming back to ImpactFundr.
We Move Fast
From application to funded in under two days is our standard. We know your business cannot wait a month for a decision.
We Look at the Whole Picture
Your credit score is one data point. Your monthly revenue, industry, and cash flow tell a much fuller story. We use all of it.
No Surprises
Every offer we present includes the full cost of the advance, repayment terms, and factor rate. Nothing is buried in fine print.
Repeat Funding Available
Once you have repaid a portion of your advance, you can often renew or stack additional funding. Growing businesses can draw on us repeatedly.
Frequently Asked Questions
Do I need good credit to qualify?
No. Fast business funding approvals are based primarily on your monthly revenue and business bank statements. We work with business owners who have credit scores as low as 500. The stronger your monthly revenue, the better your offer will be.
How fast can I get funded?
Most applications are reviewed the same day you apply. After you receive and accept an offer, funds are wired to your business bank account within 24 to 48 hours. In some cases, same-day funding is possible.
How much funding can I get?
Funding amounts range from $10,000 to $700,000. The amount you qualify for depends on your average monthly revenue. Typically you can qualify for one to two times your monthly revenue.
How do repayments work?
For merchant cash advances, a fixed percentage of your daily credit and debit card sales is automatically remitted until the advance is repaid. For working capital loans, a fixed daily or weekly amount is debited from your business bank account. There are no monthly payment due dates to track.
What documents do I need to apply?
Most approvals require three months of business bank statements, a voided check, and a one-page application. In some cases we may ask for additional documents like proof of ownership or a government-issued ID.
Can I get additional funding after my first advance?
Yes. Once you have repaid 50% or more of your current balance, you may qualify to renew or add additional funding. Many of our clients use ImpactFundr as an ongoing capital resource.
Get Your Fast Funding Quote
Tell us a bit about your business and we will send you a same-day offer. No credit impact, no obligation.