Working Capital in 24–48 Hours. No Bank. No Waiting.
InstaFunding purchases a portion of your future receivables and delivers capital fast — so you can cover payroll, buy inventory, and seize opportunities while your competitors wait on the bank.
Same-day decisions available. Applying does not affect your ability to seek financing elsewhere and does not obligate you to accept an offer.
From Application to Capital in Three Steps
We stripped out everything that slows banks down. What's left is a process built for speed and certainty.
Apply in Minutes
Tell us about your business — revenue, time in business, and what you need capital for. The application takes minutes, not days.
Get Your Offer
Our underwriting team reviews your revenue and deposits — not just your credit score — and structures an offer around your actual cash flow. Same-day decisions available.
Get Funded in 24–48 Hours
Accept your offer and receive capital directly in your business bank account — typically within 24 to 48 hours of approval.
Capital That Moves at the Speed of Your Business
Our clients don't wait 60 days for a bank committee. They use capital when it matters — and the use of funds is up to you.
Cash Flow Gaps
Bridge receivable timing, seasonal dips, or slow-paying customers without missing a beat on obligations.
Payroll
Keep your team paid on time, every time — even when a big invoice hasn't landed yet.
Inventory & Supplies
Buy in volume, capture supplier discounts, and stock up ahead of your busy season.
Expansion
Open the next location, hire the next crew, or take the contract you'd otherwise have to pass on.
Equipment & Repairs
Replace or repair mission-critical equipment now instead of losing revenue while you wait.
Marketing & Growth
Fund campaigns and customer acquisition while demand is hot — momentum compounds.
Your Bank Needs 60 Days. You Don't Have 60 Days.
Apply in minutes and get a decision as soon as today.
Apply in Minutes All funding subject to underwriting review and approval. Terms vary.Built for Businesses Banks Leave Behind
Banks underwrite paperwork. We underwrite performance. If your business generates real revenue, we can move — fast.
✕ Traditional Banks
- ✕ Weeks to months of processing and committee reviews
- ✕ Heavy documentation: tax returns, financials, projections, collateral schedules
- ✕ Rigid credit-score-driven decisions
- ✕ Most small business applicants turned away
- ✕ One-size-fits-all structures
✓ InstaFunding
- ✓ Decisions in hours, funding in 24–48 hours
- ✓ Minimal documentation — application plus recent bank statements
- ✓ Revenue-based underwriting that looks at how your business actually performs
- ✓ High approval rates across 700+ industries
- ✓ Offers structured around your real cash flow
This Is a Purchase of Receivables — Not a Loan
When InstaFunding provides capital, we are purchasing a specified amount of your business's future receivables at an agreed-upon purchase price. This is a commercial transaction between businesses — it is not a loan, there is no interest charged, and it is fundamentally different from traditional debt financing.
Because the transaction is built around your receivables, our underwriting focuses on what matters: the strength and consistency of your revenue. That's why we can move faster, approve more businesses, and structure offers a bank never could.
If You Generate Revenue, We Speak Your Language
We've deployed capital across virtually every industry in America.
Straight Answers, No Fine-Print Games
No. InstaFunding purchases a specified amount of your future receivables at a discount. It's a commercial transaction — not a loan, and no interest is charged. Term loan products, where available, are offered separately through an affiliated licensed entity.
Most approved businesses receive funds within 24–48 hours of accepting an offer. Same-day decisions are available for complete applications.
Primarily your business's revenue: monthly deposits, consistency of cash flow, and time in business. Credit is considered but is not the deciding factor. All funding is contingent on underwriting review.
Speed Is a Competitive Advantage. Use Ours.
Join the businesses that have accessed over $500M in fast, flexible capital through InstaFunding.
Get Funded Now Funding contingent on underwriting review. Terms vary by business. Submitting an application is not a guarantee of funding.