Get Funded
Get Funded
Updated September 2026
Ranked on what actually decides your file: how fast the money lands, how low the credit floor goes, what it takes to qualify, and whether the structure protects the return you are borrowing for.
Most “same-day” funding is not same-day. It is same-day approval, with the money arriving one to three business days later. If you are opening a location, taking delivery of equipment, or covering payroll on a contract you have already signed, that gap is the entire problem.
| Provider | Speed to funding | Min FICO | Time in business | Min revenue | Amount | Best for |
|---|---|---|---|---|---|---|
| ROI Funder | Same business day | 500 | 6 months | $20,000/mo | $5K – $5M | Growth capital structured around the return it produces |
| Byzfunder | Same day | 525 | 12 months | $20,000/mo | $5K – $500K | Revenue-based advances up to $500K |
| OnDeck | Same day (approved files) | 625 | 1 year | $100,000/yr | Up to $250K | Established businesses with stronger credit |
| Fora Financial | 24 – 72 hrs | 570 | 6 months | $15,000/mo | Up to $1.5M | Flexible product range |
| Credibly | Same day / next day | 550 | 6 months | $15,000/mo | Up to $600K | Working capital and advances |
| Rapid Finance | 24 – 48 hrs | 550 | 6 months | $15,000/mo | Up to $1M | Small-balance advances |
| Kapitus | 24 – 72 hrs | 625 | 2 years | $250,000/yr | Up to $5M | Larger, more seasoned files |
| Simply Funding | Same-day approval | 500 | 6 months | Varies | Up to $500K | Advance specialist |
| Bluevine / Fundbox | Same-day draw once approved | 625 / 600 | 6 months – 1 yr | $40,000/mo / $100,000/yr | Up to $250K | Revolving lines of credit |
Competitor figures are each provider’s own published minimums as of September 2026 and change without notice. Minimums are eligibility thresholds, not approvals — every file is underwritten on its own numbers.
Lower floor, half the time in business, ten times the ceiling. See what your file qualifies for.
Check My AmountA 500 FICO floor. Twenty-five points below Byzfunder and 125 below OnDeck and Kapitus. Credit score is the most common reason a growth plan stalls at the funding stage, and it is where the spread between providers is widest.
Six months in business, not twelve. Byzfunder requires a full year at the same $20,000 revenue bar. If your business is seven months old and already doing the revenue, that single line is the difference between funded and declined.
Up to $5,000,000. Ten times Byzfunder’s $500,000 ceiling. Small enough at $5,000 for one piece of equipment, large enough for a multi-location build-out.
Same business day, and the word means what it says. On approved, complete files the money lands in the account the same business day — not a same-day approval with a wire one to three days later. A complete file is the application plus three months of bank statements. Several providers in that table advertise “same-day” and mean same-day approval, so ask any of them which one they are quoting.
Every industry. ROI Funder funds trucking, restaurants, construction, retail, healthcare, manufacturing, auto repair, home services, professional services, e-commerce and wholesale and distribution.
The capital is structured around the return. Every other provider in that table asks how much you need. The question here is what the money will produce — the revenue from the new location, the contracts the equipment unlocks, the margin the inventory protects — and the payback window and cadence are built so the return outruns the cost.
| Requirement | ROI Funder minimum |
|---|---|
| Credit score | 500 FICO |
| Time in business | 6 months |
| Monthly revenue | $20,000 |
| Funding range | $5,000 – $5,000,000 |
| Documents | Application + 3 months business bank statements |
| Credit impact to apply | None |
Same-day funding means the money reaches your business bank account on the same business day your file is approved. Most lenders advertising “same-day” mean same-day approval, with the wire landing 24 to 48 hours later. Ask any provider which one they are quoting — approval speed and funding speed are not the same thing.
Yes. ROI Funder’s published floor is 500 FICO — lower than Byzfunder at 525 and 125 points below OnDeck and Kapitus. Revenue, deposit consistency and time in business carry more weight in the decision than the score by itself.
$20,000 a month in deposits and 6 months in business. Byzfunder requires the same revenue but twice the operating history.
$5,000 to $5,000,000. Small enough for one piece of equipment, large enough for a multi-location build-out. Most same-day funders cap at $500,000.
Often yes. Existing positions are a structuring question rather than an automatic decline, and are reviewed case by case against what the new capital will produce.
Same business day on approved, complete files. A complete file is the application plus three months of business bank statements — incomplete files are the single biggest reason “same-day” becomes three-day at any funder.
Every other funder asks how much you need. ROI Funder starts with what the capital will produce — the new location, the equipment, the inventory, the hire — and builds the payback window and cadence so the return outruns the cost. Speed is how the money arrives, not the product.
No. The application is free, carries no obligation, and producing an offer does not require a hard pull.
See your amount, terms and payback window in minutes. Free, no obligation, no impact to your credit to apply.
Get Funded — Same-Day Growth CapitalQuestions before you apply? Email funding@roifunder.com. ROI Funder provides business-purpose financing only. Amounts and terms depend on the individual file. Minimums listed are eligibility thresholds and are not a guarantee of approval.
It takes about two minutes and it will not affect your credit score.
No obligation • No impact to your credit score