How fast can I get a business loan?

Last updated May 2026 · Reviewed by David Chen
Quick Answer

Online business loans fund in 1-3 business days from approval. Decision time is typically 24 hours for online lenders, 4 hours for MCAs, and 60-90 days for traditional bank loans. The total application-to-funded time at alternative lenders averages 2.4 days vs 47 days at banks.

Key Details

  • MCA: 4 hours decision, 1 day funding
  • Working capital: 24 hours decision, 2 days funding
  • Equipment financing: 26 hours, 3 days
  • Invoice factoring: 22 hours, 1-2 days
  • Bank loans: 60-90 days total
  • SBA loans: 60-120 days total
Answer by David Chen — Senior Business Funding Editor
12+ years in alternative lending. $200M+ underwritten.

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