Emergency business loans
Same-day decisions and funding in as little as 24 hours, with no collateral and no hard credit pull. Get the capital for an urgent repair, a large order or a bill that can’t wait.
- Same-day decisions
- Funding in as little as 24 hours
- No collateral required
Simple, fast and clear.
- $5K–$10M
- Funding amounts
- 500+
- Minimum credit score
- Same day
- Decisions
- 24hours
- Fastest funding
How emergency business financing works.
Apply online in minutes with the exact amount you need. If you have a repair quote or a purchase order, ask for that amount. We review your application and get you a decision the same day.
We match the financing to the need. Working capital and a line of credit move quickest. If a machine has to be replaced, equipment financing spreads its cost over its working life.
Once you’re approved and the documents are signed, the funds reach your business bank account in as little as 24 hours.
Read more
Check three numbers before you sign. What you’ll receive, each payment and how often it’s taken, and the total you’ll repay, in dollars. Check the payments against your sales for the next few weeks.
One offer at a time. Taking several quick offers at once, sometimes called stacking, adds up to large payments quickly. If you need more later, ask your funding specialist.
Know the schedule. Some financing is repaid daily or weekly, straight from your account. Compare those payments with your expected sales before you sign.
If insurance covers it. Quick financing can cover the cost while an insurance claim pays out. Take only the part you need now.
Be ready next time. Keep your last 4 months of business bank statements saved as files from your bank.
Emergency business loans at a glance.
- Same-day decisions
- We review your application and get you an answer the same day
- Funding in 24 hours
- Once you’re approved and the documents are signed
- No collateral required
- Approved on your revenue and cash flow, with no assets pledged
Compare your options.
See how Noya Funding stacks up against other financing sources.
| Traditional Bank | Other Online Lenders | ||
|---|---|---|---|
| Funding Speed | Same day to 48 hours | 30-90 days | 2-7 days |
| Funding Amount | $5K-$10M | $50K-$5M | $5K-$500K |
| Hard Credit Pull | Never | Always | Usually |
| Min. Annual Revenue | $150K+ | $250K+ | $100K-$250K |
| Min. Credit Score | 500+ FICO | 680+ FICO | 550-600+ FICO |
| Collateral Required | None | Often | Sometimes |
| Time in Business | 6+ months | 2+ years | 1+ year |
| Dedicated Advisor | Always | Never | Sometimes |
| Documents Needed | 4 bank statements | Full financials + tax returns | Varies |
| Application Time | 5 minutes online | Days to weeks | 1-3 days |
| Apply NowApplying won’t affect your credit score. |
Financing options for urgent costs.
Working Capital
Based on recent revenue, so your bank statements are most of what we review. The quickest to arrange. See how working capital works.
Business Line of Credit
Once your line is open, the next urgent cost is a draw. See business lines of credit.
Equipment Financing
For a machine that has to be replaced. The cost is spread over the equipment’s working life. See equipment financing.
Invoice Financing
Get up to 90% of an open invoice’s value now, instead of waiting for your customer to pay. See invoice financing.
Bridge Capital
For when money is on its way, from an insurance claim or a longer loan, but the bill is due now. See bridge capital.
If you need capital today.
An emergency doesn’t keep office hours. Here’s what to expect, and what to do right now.
During business hours, the decision comes today
Applying takes a few minutes, along with your last 4 months of business bank statements. We review it the same day, and once you’re approved and the documents are signed, funds can reach your account in as little as 24 hours.
Nights and weekends: apply anyway
An application sent in the evening or on a weekend is reviewed first thing the next business day. Banks move money on business days, so applying on a Saturday still puts you at the front of the line on Monday.
Take what solves it, not the most you can get
Under pressure, the instinct is to take the largest offer. The better question is what amount clears the problem, because every dollar comes with a payment afterwards. Your funding specialist can size it to what solves the problem.
All you need to qualify.
We look at more than your credit score, including your revenue history, deposit patterns and time in business. A business with strong cash flow may qualify even with imperfect credit.
- No collateral
- No hard credit pull
- No upfront fees
- 500+
- Minimum credit score
- 6+months
- In business
- $150K+
- Yearly revenue
- 4months
- Of bank statements
Three steps to your funding.
- 1
Apply online
Fill in our short application in a few minutes. A few basics about your business and what you need, with no stack of paperwork to get started.
- 2
Get your options
Our team reviews your application and brings you the options that fit your business. We look at revenue, deposits and time in business, not only your credit score.
- 3
Receive your funds
Once you’re approved and the documents are signed, the funds can be in your business bank account in as little as 24 hours.
Frequently asked questions.
Is Noya Funding a lender?
Noya Funding is a business funding broker. We work with a wide network of lenders: our team reviews your application, matches you with the options that fit your business and stays with you through funding.
Does applying affect my credit score?
No. There’s no hard credit pull to apply, so applying won’t affect your credit score.
How quickly can I get emergency funding?
Decisions come the same day. Once you’re approved and the documents are signed, funds reach your account in as little as 24 hours. See fast business loans.
What should I have ready?
Your last 4 months of business bank statements as files from your bank, an ID for each owner, and the exact cost of what you need, such as a repair quote or a purchase order.
Can I apply at night or on a weekend?
Yes. You can apply online at any hour. Applications sent on a weekend are reviewed on the next business day.
Should I take the first offer?
Take the first offer that makes sense. Before you accept, check the total you’d repay, each payment and how often it’s taken, and whether paying early saves anything.
What does emergency financing cost?
It depends on the product, the term and your business profile. If part of the need can wait, fund the urgent part now and compare offers for the rest.
Can I get emergency funding with a low credit score?
Yes. We work with credit scores of 500+, and working capital is based mostly on recent revenue. See bad credit business loans.
Which states do you work in?
Every state except Texas, Virginia, Connecticut and Missouri, where we can’t take requests yet.
Ready to get funded?
Apply online in minutes. No collateral, no hard credit pull and no obligation.