How fast does working capital financing actually fund?

Twenty-four hours is real for a narrow slice of products and fiction for everything else. The honest range on a $75,000 working capital request runs from same day to about three weeks, and what decides it is not the lender's marketing but how much of your file a human has to read before someone signs off.

• Merchant Cash Advance: same day to 48 hours, and by a wide margin the most expensive money on this list
• Revenue-Based Financing: one to three business days once bank statements are connected
• Business Line of Credit: two days to two weeks, depending on whether it is a fintech line or a bank line
• Working Capital Loans through a bank: one to three weeks
• SBA Loans: 30 to 90 days — never the answer to a Friday deadline

The trap in a Friday deadline is that speed is priced, and the price is not shown as a rate. The fastest money on that list is quoted as a factor: you are told the total payback, not an annual cost, and the equivalent annualized figure is frequently in the triple digits. Paying that to be four days early is a bad trade far more often than owners expect.

If the deposit can wait a week, a Business Line of Credit set up now is the cheaper answer and it stays available for the next gap. If it genuinely cannot, call the desk today rather than tomorrow — most of the delay in a fast product is the applicant gathering statements, not the lender deciding.