Same-Day Funding
Capital that fits how your business actually runs.
When "24 hours" is still too slow, same-day funding delivers approved capital by the close of the same business day. Limited amounts, expedited underwriting, priced for speed.
- Range
- $150K
- Terms
- 3–9 months
- Speed
- Same business day
- Min FICO
- 550+
The short answer
How does same-day business funding work?
When "24 hours" is still too slow, same-day funding delivers approved capital by the close of the same business day. Limited amounts, expedited underwriting, priced for speed.
- Range
- $150K
- Terms
- 3–9 months
- Speed
- Same business day
- Min FICO
- 550+
- Min revenue
- $20K/mo
Last updated 2026-06-24
How it works
One application, three honest steps.
The same process powers every ICG product. Same-Day adds nothing extra. See the full walkthrough →
Step 01
Apply
Three minutes online. No documents required to start. Soft credit pull only.
Step 02
Review
One ICG team underwrites your file against same-day criteria. You get a decision and indicative terms.
Step 03
Fund
Sign electronically. Funds wire to your operating account, typically within 24 hours of approval.
Who it’s for
Built for businesses that fit same-day.
If these four lines describe your business, you very likely qualify.
Eligibility snapshot
- Time in business
- 6 months or more
- Monthly revenue
- $20K/mo
- Personal credit
- 550+
- Funding speed
- Same business day
Common use cases
Emergency Equipment Failure
Replace a walk-in cooler, blown transmission, or server outage the same day it fails.
Last-Minute Payroll
Cover this Friday's payroll when a client payment is delayed.
Time-Sensitive Opportunity
Secure inventory at a one-day discount, sign a lease before a competitor, or fund a closing deposit.
Compare
Same-Day sits next to four other products.
One application routes you to the product that actually fits. Full side-by-side comparison →
| Product | Range | Speed | Best for |
|---|---|---|---|
| Same-DayYou are here | $150K | Same business day | Emergency Equipment Failure |
| Revenue Funding | $500K | 24 hours | Emergency Payroll |
| Term Loans | $500K | 24–48 hours | Business Expansion |
| Line of Credit | $250K | 24 hours | Seasonal Cash Flow |
| Bridge Capital | $500K | 24 hours | Real Estate Deposits |
| SBA Loans | $5M | 30–60 days | Business Acquisition |
FAQs about Same-Day
The questions we hear most.
01What's the cut-off time?
What's the cut-off time?
Complete applications received before 11 AM ET with all documents in hand are funded the same business day. Later submissions fund the next business day.
02Why are amounts capped at $150K?
Why are amounts capped at $150K?
Same-day underwriting relies on automated bank-statement analysis. Larger amounts require human review and additional verification that takes longer than a single day.
03Does same-day cost more?
Does same-day cost more?
Slightly, the factor rate is typically 0.03 – 0.05 higher than standard revenue-based funding because of the expedited workflow. For non-urgent needs, 24-hour funding is more cost-effective.
04Can I apply outside business hours?
Can I apply outside business hours?
Yes, the online application runs 24/7, but same-day funding specifically requires the application to land in underwriting before 11 AM ET.
By state
Available in every state we fund.
Each state page covers the local commercial financing disclosure rules, the SBA district office, and where to file UCCs for same-day.
- AlabamaAL
- AlaskaAK
- ArizonaAZ
- ArkansasAR
- CaliforniaCA
- ColoradoCO
- ConnecticutCT
- DelawareDE
- Washington, D.C.DC
- FloridaFL
- GeorgiaGA
- HawaiiHI
- IdahoID
- IllinoisIL
- IndianaIN
- IowaIA
- KansasKS
- KentuckyKY
- LouisianaLA
- MaineME
- MarylandMD
- MassachusettsMA
- MichiganMI
- MinnesotaMN
- MississippiMS
- MissouriMO
- MontanaMT
- NebraskaNE
- NevadaNV
- New HampshireNH
- New JerseyNJ
- New MexicoNM
- New YorkNY
- North CarolinaNC
- North DakotaND
- OhioOH
- OklahomaOK
- OregonOR
- PennsylvaniaPA
- Rhode IslandRI
- South CarolinaSC
- South DakotaSD
- TennesseeTN
- TexasTX
- UtahUT
- VermontVT
- VirginiaVA
- WashingtonWA
- West VirginiaWV
- WisconsinWI
- WyomingWY
Ready when you are
Apply for Same-Day. Get an answer today.
Three minutes. Soft credit pull. One ICG team from application to wire.