Fast business loans
Same-day decisions and funding in as little as 24 hours, while a bank can take weeks. Apply online in minutes, with no collateral and no hard credit pull.
- Same-day decisions
- Funding in as little as 24 hours
- Apply online in minutes
Simple, fast and clear.
- $5K–$10M
- Funding amounts
- 500+
- Minimum credit score
- Same day
- Decisions
- 24hours
- Fastest funding
How fast business financing works.
You apply online in a few minutes. We review your application and your bank statements, and you get a decision the same day. Once you’re approved and the documents are signed, the funds reach your business bank account in as little as 24 hours.
Financing based on recent revenue, such as working capital or a line of credit, moves quickest because your bank statements show most of what we need. Financing that rests on property, tax returns or an appraisal takes longer.
The few things that slow an application are easy to avoid: a missing statement, a business name that doesn’t match the bank account, or a missed call.
Read more
Before you apply. Have your last 4 months of business bank statements as files from your bank, not photos of a screen. Use the business’s legal name exactly as it appears on the account, and know what you still owe on any financing you have now.
Business days. Banks move money on business days. A transfer sent after the bank’s daily cutoff lands the next business day.
Signing. Agreements are signed online. Before you sign, check three numbers in dollars: what you’ll receive, each payment and how often it’s taken, and the total you’ll repay.
Fast 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, deposited to your business bank account
- Apply in minutes
- A few basics about your business, with no lengthy paperwork to get started
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 that fund quickest.
Working Capital
Based on recent revenue, so your bank statements are most of what we review. The quickest to fund. See how working capital works.
Business Line of Credit
Once your line is open, each draw is a transfer you start yourself. See business lines of credit.
Invoice Financing
Get up to 90% of an unpaid invoice’s value as soon as the same day. See invoice financing.
Bridge Capital
Short-term capital that covers costs while longer financing closes or a deal completes. See bridge capital.
Small Business Term Loans
A lump sum with fixed payments, with same-day decisions and funds in as little as 24 hours. See small business term loans.
What 24 hours looks like.
Plenty of companies say 24 hours. Here’s how it actually runs, and what can slow it down.
The decision comes the same business day
The application takes a few minutes, and we review it with your last 4 months of business bank statements. There’s no lengthy paperwork to get through and no committee to wait on, so you get a decision the same day.
The 24 hours start when you sign
Once you’re approved and the documents are signed, the funds reach your business bank account in as little as 24 hours. Banks move money on business days, so a transfer sent after the bank’s daily cutoff arrives the next business day.
What slows it down
A missing statement, a business name that doesn’t match the bank account, applying after business hours, or a larger amount that calls for more documents. Each one is easy to avoid, and your funding specialist tells you what’s needed up front.
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 fast can I get a business loan?
Decisions come the same day. Once you’re approved and the documents are signed, funds reach your account in as little as 24 hours. Bank and government-backed loans take weeks.
What slows an application down?
Missing or unreadable bank statements, a business name that doesn’t match the bank account, and missed calls.
What do I need to apply?
A few basics about your business and what you need. Applying online takes a few minutes, with no lengthy paperwork to get started. Once we’ve reviewed your application, we ask for your last 4 months of business bank statements.
Do weekends slow things down?
They can. Banks move money on business days, so funds approved on a Friday afternoon may arrive on Monday.
What does fast financing cost?
It depends on the product, the term and your business profile. Compare offers by what you receive and the total you repay, in dollars.
What if a cost can’t wait at all?
Fund the part that can’t wait now, and leave the rest until you can compare offers. See emergency 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.