Fast Business Funding in 24-48 Hours
Revenue-based financing designed for speed. When your business needs capital now, this program underwrites on cash flow, not credit history, and delivers funds in as little as one business day.
Funding Range
$5K – $25M
Speed
24–48 hours
Credit
500+ FICO considered
What is Fast Capital?
Fast Capital is revenue-based financing that prioritizes speed and accessibility. Instead of relying on credit scores, collateral, or extensive documentation, this program underwrites primarily on your business's recent cash flow. It's designed for businesses that need to move quickly, whether to capture an opportunity, cover an urgent expense, or bridge a gap between receivables.
Best for
- Businesses that need funding in days, not weeks
- Owners with less-than-perfect credit (500+ FICO)
- Companies with strong revenue but limited traditional documentation
- Seasonal businesses or those with irregular cash flow patterns
Not ideal for
- Businesses that qualify for and can wait for SBA rates and terms
- Very early-stage businesses with limited revenue history
- Owners looking for the absolute lowest cost of capital
- Long-term, fixed-asset financing needs
Common use cases
Qualification basics
Minimum requirements vary by lender. These are general guidelines to help you understand if this product is a fit.
- 500+ FICO credit score
- At least 4–6 months in business (varies by lender)
- Consistent revenue and bank deposits
- No collateral required
- No business plan required
- Minimal documentation, typically just bank statements
How it works
Apply online
Streamlined application with minimal documentation required.
Get reviewed
Underwriting based on your recent business revenue, not credit history alone.
Receive offers
Review your options with full transparency. No obligation to accept.
Get funded
Capital deposited in as fast as 24–48 hours.
Why Halford Capital
One application connects you to a network of leading national banks and private credit providers. We match you to the right lender so you don't have to shop around.
Bank-Level Security
AES-256 encryption protects every application. Your data is never sold to third parties.
Transparent Process
Clear terms, no hidden fees, no obligation. You see every offer before you commit.
Expert Guidance
Our team helps you navigate options and structure the best deal for your business.
Compare other financing options
If this product is close but not quite right, these pages will help you compare timelines, structures, and use cases.
SBA Loans
4-6 weeksGovernment-backed financing with the lowest rates and longest terms available to small businesses. The SBA guarantee reduces lender risk, giving you access to capital that might not be available through conventional channels, with repayment terms designed around long-term growth, not short-term cash flow pressure.
Commercial Real Estate
Approval in 48 hrsSpecialized financing for commercial property acquisition, refinance, and owner-occupied expansion. We structure deals through SBA 7(a) and 504 programs to maximize leverage and minimize cost, placing your transaction with lenders who understand your property type and market.
Line of Credit
Under 1 weekA revolving credit facility that gives your business flexible, on-demand access to working capital. Draw what you need, repay, and reuse your available credit without reapplying. Designed for businesses that need ongoing liquidity to manage cash flow cycles and capture time-sensitive opportunities.
Term Loans
As fast as 3 daysA straightforward lump-sum loan with predictable monthly payments and no prepayment penalties. Faster to close than SBA and structured for established businesses that need capital with clear, simple terms without the complexity of government-backed programs.
Frequently asked questions
Ready to explore your options?
One application. Multiple lender matches. No impact to your credit score.
Get Funded Fast