"Funded in 24 hours" is a real timeline — we hit it regularly. But speed isn't magic on the funder's side; it's mostly determined by how ready you are. Here's what actually makes a deal close same-day, and what drags a 24-hour approval into a 10-day slog.
What makes it fast
- Clean, complete statements up front. The four most recent months, full PDFs, all pages. Missing pages are the #1 cause of delay.
- A clear use of funds. "Equipment and a slow season" funds faster than "I'm not sure yet" — it tells us how to structure the term.
- You're reachable. Deals close in hours when the owner answers a call or a text. They stall when a stipulation sits in an inbox overnight.
- No surprises in the file. Undisclosed advances or a recent tax lien found mid-underwriting resets the clock.
What quietly slows it down
The delays almost never come from the funder. They come from a missing voided check, a bank login that needs re-verifying, an owner who's hard to reach for two days, or a stipulation nobody mentioned. None of these are hard — they're just friction that adds up.
How to be ready before you apply
Have your last four months of statements as full PDFs, a voided business check, and a one-sentence answer to "what's the money for." With those three things in hand, a same-day decision is realistic. Apply unprepared, and even the fastest funder is stuck waiting on you. Fast funding is a two-way street — we move the moment you do.