Live market data
Pulled from official U.S. government APIs. Click a card to view the source.
TL;DR
Most business loans fund within 24 hours to 7 days. Merchant cash advances and working capital fund in 24 hours, business term loans in 2–7 days, equipment financing in 3–7 days, SBA Express in 14 days, and SBA 7(a) in 30–60 days.
Disclosure: Rates, fees, government statistics, and program terms shown reflect publicly available data from the cited sources as of April 2026. This content is for educational purposes only and is not an offer of credit or financial advice. Verify current terms with the lender or program administrator before relying on them. Live data points are pulled from U.S. government APIs (Federal Reserve / FRED, BLS, U.S. Census Bureau, U.S. Treasury, SBA) and may be delayed.
Funding timeline by product
- •MCA / Working Capital: 24 hours
- •Line of Credit: 1–3 days
- •Equipment Financing: 3–7 days
- •Business Term Loan: 2–7 days
- •Invoice Factoring: same day per invoice once enrolled
- •SBA Express: 14 days
- •SBA 7(a) / 504: 30–60 days
- •Commercial Real Estate: 30–75 days
What slows funding down
- •Missing or stale bank statements (older than 60 days)
- •Unverified business address vs Secretary of State
- •Existing MCA balances requiring lender payoff coordination
- •Bank account at an institution lenders can't ACH-verify (rare credit unions)
- •Tax liens or judgments without a payoff letter
How to fund faster
- •Submit a complete file day one (every checklist item)
- •Have your bank online-banking access ready for instant verification
- •Pre-respond to common stips: landlord, accountant, void check
- •Sign electronically the same day terms are issued
Related questions
Yes — for clean MCA and working capital files submitted before noon, same-day decisions and next-business-day wire are standard.
Related guides
How to Qualify for a Business Loan in 1970 (Full Requirements)
The exact requirements lenders check, every document you need, common reasons for decline, and how to position your file for a same-day approval.
Documents Needed for a Business Loan (1970 Complete List)
The exact paperwork lenders ask for — and what you can skip — by product type.
MCA vs Term Loan: Which is Right for Your Business in 1970?
Side-by-side comparison of merchant cash advances and business term loans — speed, true cost, qualification, repayment structure, and which fits your situation.
Sources & references
- SBA 7(a) and 504 Loan Program data— U.S. Small Business Administration
- Small Business Credit Survey— Federal Reserve Banks
- Bank Prime Loan Rate (DPRIME)— FRED · Federal Reserve Bank of St. Louis
- Daily Treasury Par Yield Curve Rates— U.S. Department of the Treasury, Fiscal Data