FAST BUSINESS FUNDING – DECISIONS IN HOURS

Fast Business Loans That Moves As Fast As You Do

Fast First Funding delivers $5,000 to $2,000,000 in business capital directly to your account — same-day decisions, zero hard credit pulls, and funding as fast as 24 hours.

No hard credit pull
All credit scores welcome
Funded in 24 hours

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Instant Estimate — No Credit Impact

How Much Can Your
Business Qualify For?

Use our funding calculator to get an instant estimate based on your monthly revenue. Adjust the sliders and watch your results update live. No credit pull, no obligation.

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Tell Us About Your Business

Monthly Revenue $50,000

$10K $100K $250K $500K+

Desired Repayment Term 12 Months

3 mo 6 mo 12 mo 18 mo 24 mo

Funding Product

Estimates based on revenue. Your actual offer may be higher. No hard credit pull — ever.

Merchant Cash Advance

Estimated Funding Amount

$65,000

$40K — $90K estimated range

Factor Rate 1.34X
Estimated Total Payback $87,379
Estimated Total Fee $22,379
Est. Daily Remittance $331/DAY (14%)
Est. Repayment Period 12 Months Est.

Decisions in hours · No hard credit pull

Calculator results are estimates only and do not represent a commitment to lend. Actual amounts, factor rates, and terms vary based on your business profile, industry, time in business, and cash flow. Fast First Funding is not a bank. MCAs are not loans.

How We Calculate

Your Revenue Is the Key Number

Traditional banks focus on credit scores. We focus on your monthly revenue — a far better indicator of business health.

Small business owner smiling in the doorway of his shop

Starter

Newer businesses or lower credit scores typically qualify for 0.75x to 1x monthly revenue. Still meaningful capital delivered fast.

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Two factory workers wearing hard hats and safety vests reviewing a laptop

1.5X

Standard

Most businesses with 6+ months history and consistent revenue qualify in this range. The calculator uses this as its primary estimate.

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Two men shaking hands in front of an excavator at a construction site

Strong

Businesses with 2+ years, strong growth, and clean bank history often qualify for 1.5x to 2x or more. Talk to an advisor for your true ceiling.

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The Fast First Difference

Helping More Businesses Get Funded

From coast to coast, we’ve built a network that reaches where traditional banks won’t. Our platform operates in all fifty states, making sure capital gets to the owners who need it most.

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$2M

Maximum Funding Available
500+

Industries We’ve Funded
24h

Fastest Funding Timeline
50

States We Operate In

Built For Businesses Banks Won’t Touch.

We fund the operators traditional banks reject, and we do it in hours, not months.

Revenue-Based Approval

We fund based on your monthly cash flow — not your credit score. If your business brings in revenue, you likely qualify.
Same-Day Decisions

Submit statements and ID through our encrypted portal. A real underwriter reviews your file within hours, not weeks.

Shop owner talking on the phone while using a laptop at her store counter

Flexible Repayment

Daily, weekly, or monthly remits structured around the rhythm of your cash flow. Potential renew at 50% paid down.
Real Human Advisors

A dedicated funding advisor — not a chatbot. We walk you through every step and find the right product for your situation.

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The Process

Access Fast Business Funding and Working Capital in 3 Simple Steps

From application to funded in as little as one business day. No red tape, no runaround.

Apply Online

Complete our secure, streamlined application from any device. No lengthy paperwork required.

Basic business information
4 months of bank statements
Soft pull only — no credit impact
Available 24/7 on any device

Review Your Offer

Your dedicated advisor reviews your file and presents tailored funding options for your business.

Multiple offers to compare
Transparent terms, no surprises
Advisor explains every detail
Zero obligation to accept

Get Funded

Accept your offer, e-sign your agreement, and watch the funds land directly in your account.

E-sign from anywhere
Direct deposit to your account
Use funds for any business need
Potential renew when 50% is repaid

Do You Qualify? Most Businesses Do.

Minimal requirements by design. If your business generates revenue, we want to fund it.

CHECK ELIGIBILITY IN 60 SECONDS

Pre-qualification gives you an instant answer — zero credit impact, zero obligation, zero risk.

4 months of business bank statements
Basic business information

Time in Business

At least 4 months operating. Newer businesses should contact us directly to discuss options.

Monthly Revenue

Minimum $10,000 in monthly bank deposits. More revenue typically means a larger advance.

Credit Score

No minimum credit score for most products. We regularly fund businesses with 500+ FICO scores.

Business Location

Must operate within the United States. We fund businesses in all 50 states.

Business Bank Account

An active business checking account is required. Personal accounts are not eligible for funding.

Real Results

Businesses funded, owners thriving

“I needed to replace two commercial ovens and cover payroll heading into the slowest month of the year. My bank told me to come back in 90 days with more documentation. Fast First Funding had money in my account in less than 48 hours.”

“I needed to replace two commercial ovens and cover payroll heading into the slowest month of the year. My bank told me to come back in 90 days with more documentation. Fast First Funding had money in my account in less than 48 hours. The daily remittance comes out automatically and I honestly forget it is even happening. I have renewed twice now and my restaurant is doing the best it has ever done.”

Marcus R. – Miami, FL
Restaurant / Food Service Funded — $85,000

Marcus R. – Miami, FL
Restaurant / Food Service Funded — $85,000

“I had a chance to buy out the shop next door and double my lift capacity, but I needed to move fast. I had never heard of a merchant cash advance before a friend mentioned Fast First Funding.”

“I had a chance to buy out the shop next door and double my lift capacity, but I needed to move fast. I had never heard of a merchant cash advance before a friend mentioned Fast First Funding. I was skeptical but the advisor walked me through everything clearly — no pressure, no confusing terms. I signed on a Thursday and had the money Friday morning. That expansion paid for itself within four months.”

Tony G. — San Antonio, TX
Auto Repair — Funded: $55,000

Tony G. — San Antonio, TX
Auto Repair — Funded: $55,000

“Dental equipment financing through a traditional lender was going to take months and require collateral I did not want to tie up. Fast First Funding structured an equipment advance that got me a new digital X-ray system and two treatment chairs without any of that hassle.”

“Dental equipment financing through a traditional lender was going to take months and require collateral I did not want to tie up. Fast First Funding structured an equipment advance that got me a new digital X-ray system and two treatment chairs without any of that hassle. My advisor was professional, understood the healthcare billing cycle, and never made me feel rushed. I would recommend them to any practice owner looking to grow.”

Dr. Sandra O. — Charlotte, NC
Medical / Dental Practice — Funded: $120,000

Dr. Sandra O. — Charlotte, NC
Medical / Dental Practice — Funded: $120,000

“In construction you win the job and then scramble to fund it. I landed a $600,000 commercial renovation contract but needed capital for materials and subcontractors before the first draw came in. Fast First Funding got me $175,000 in under 36 hours.”

“In construction you win the job and then scramble to fund it. I landed a $600,000 commercial renovation contract but needed capital for materials and subcontractors before the first draw came in. Fast First Funding got me $175,000 in under 36 hours. That contract alone netted more than triple what I paid for the advance. I keep their number saved as my first call whenever a big job comes in.”

James K. — Chicago, IL
Construction / Contracting — Funded: $175,000

James K. — Chicago, IL
Construction / Contracting — Funded: $175,000

“Every year I need inventory capital before the holiday season and every year my bank makes me jump through hoops. Last year I tried Fast First Funding for the first time. The application was so simple I almost thought I was doing it wrong. I got approved for $38,000 and stocked up two weeks before my competitors.”

“Every year I need inventory capital before the holiday season and every year my bank makes me jump through hoops. Last year I tried Fast First Funding for the first time. The application was so simple I almost thought I was doing it wrong. I got approved for $38,000 and stocked up two weeks before my competitors. That fourth quarter was the best in eight years of business. I am already planning to do the same thing this year.”

Camille W. — Atlanta, GA
Retail / Boutique — Funded: $38,000

Camille W. — Atlanta, GA
Retail / Boutique — Funded: $38,000

“Freight moves fast and cash has to move with it. I had two trucks go down at the same time and another driver opportunity I could not pass up. My bank said six to eight weeks. Fast First Funding said 24 hours.”

“Freight moves fast and cash has to move with it. I had two trucks go down at the same time and another driver opportunity I could not pass up. My bank said six to eight weeks. Fast First Funding said 24 hours. They were right. This is the right product for owner-operators and small fleets. I have sent three other drivers to them already.”

Kevin W. — Memphis, TN
Trucking / Transportation — Funded: $90,000

Kevin W. — Memphis, TN
Trucking / Transportation — Funded: $90,000

“I wanted to add a full esthetics suite to my salon and I needed to move before the space next door got leased to someone else. I had decent credit but not enough business history for my bank to take me seriously. Fast First Funding looked at my revenue — which was strong — and had an offer on the table the same day I applied.”

“I wanted to add a full esthetics suite to my salon and I needed to move before the space next door got leased to someone else. I had decent credit but not enough business history for my bank to take me seriously. Fast First Funding looked at my revenue — which was strong — and had an offer on the table the same day I applied. The buildout came in right on budget and I added four new estheticians within six months. The advance basically paid for itself.”

Alexis P. — Atlanta, GA
Salon / Beauty / Spa — Funded: $42,000

Alexis P. — Atlanta, GA
Salon / Beauty / Spa — Funded: $42,000

“I have three locations and cash flow between them is always moving around. When our point of sale system died across all three locations at once, I needed a fix immediately — not in 30 days. Fast First Funding moved faster than I thought any financing company could.”

“I have three locations and cash flow between them is always moving around. When our point of sale system died across all three locations at once, I needed a fix immediately — not in 30 days. Fast First Funding moved faster than I thought any financing company could. Approved same day, funded next morning. My advisor actually called me to walk through the terms before I signed which I really appreciated. These are people who understand what it means to run a restaurant.”

David C. — Houston, TX
Restaurant — Funded: $65,000

David C. — Houston, TX
Restaurant — Funded: $65,000

“Staffing is a cash flow business. We pay our workers weekly but collect from clients on 30 and sometimes 60 day terms. That gap used to keep me up at night. Fast First Funding gave us a revenue-based advance that completely closed that gap.”

“Staffing is a cash flow business. We pay our workers weekly but collect from clients on 30 and sometimes 60 day terms. That gap used to keep me up at night. Fast First Funding gave us a revenue-based advance that completely closed that gap. We went from turning down placement opportunities because of cash flow to aggressively taking on new clients. Our revenue has grown 40 percent since we started working with them. I genuinely cannot imagine running our operation without this kind of capital access.”

Linda Nguyen — Los Angeles, CA
Staffing Agency — Funded: $210,000

Linda Nguyen — Los Angeles, CA
Staffing Agency — Funded: $210,000

“HVAC is feast or famine — summer and winter are slammed, spring and fall are slow. I always dreaded the shoulder seasons because payroll does not stop just because the calls do. Fast First Funding structured an advance during our busy season when our revenue was strongest, and the repayment came out of that strong revenue automatically.”

“HVAC is feast or famine — summer and winter are slammed, spring and fall are slow. I always dreaded the shoulder seasons because payroll does not stop just because the calls do. Fast First Funding structured an advance during our busy season when our revenue was strongest, and the repayment came out of that strong revenue automatically. By the time the slow season hit the advance was almost fully paid and I had cash reserves I had never had before. This changed how I think about running my business financially.”

Robert E. —Phoenix, AZ
Home Services / HVAC — Funded: $78,000

Robert E. —Phoenix, AZ
Home Services / HVAC — Funded: $78,000