Speed
How fast can a small business get working capital?
Apply in three minutes, send three months of bank statements, and a real person calls with terms the same business day. Sign, and the funds are wired in as little as 24 hours. Here is what happens at each step, and what makes it faster or slower.
- 3-minute application
- Terms the same day the statements arrive
- Funds in as little as 24 hours after signing
- Nothing to appraise, nothing to assemble
Updated September 3, 2026
How fast can a small business get working capital?
Avanti Equipment Finance returns working-capital terms the same business day your three months of bank statements arrive, and funds in as little as 24 hours after you sign. The application takes about three minutes, there are no tax returns or financials to assemble and nothing to appraise, and every credit profile is reviewed the same way, from the deposits. The one thing that reliably slows a file is incomplete statements.
Why finance with Avanti
Speed here isn't a rush job; it's what happens when there is nothing to wait for. A bank needs tax returns, financial statements and often collateral to appraise, and each of those adds days or weeks. This program reads three months of business bank statements, which you already have and can download in a minute. The review starts the moment they arrive. The amount, term and total cost usually come back the same business day. Sign electronically, and the wire goes out, landing in as little as 24 hours. The honest version of the timeline: the clock starts when the statements arrive, not when you first click apply, and the one thing that reliably slows a file is statements that are missing pages or are photos instead of PDFs.
At a glance
- Application
- About 3 minutes
- Terms
- Same business day
- Funds in
- As little as 24 hrs
- Paperwork
- 3 months of statements
How it works
Apply in three minutes
Business name, monthly revenue, what it's for, and a quick credit-based pre-qualification. No tax returns to start.
Send three months of bank statements
All pages, PDF downloads from your online banking. Attach them to the application and the review starts right away.
Terms the same day
A real person calls with the amount, term, and total cost in plain numbers. No surprises in the fine print.
Funds in as little as 24 hours
Sign, and the money is wired to your business account on a payment schedule you saw before signing.
Frequently asked questions
What is the fastest realistic timeline?
Apply and attach the statements today; terms the same business day; sign; funds in as little as 24 hours after signing. An application with complete statements in the morning can have money in the account the next business day.
What slows it down?
Statements that are missing pages, photos instead of PDF downloads, a personal account instead of the business account, or a signature that waits over a weekend.
Can I get same-day funding?
Terms the same day, yes. Funding follows signing, in as little as 24 hours. We don't promise same-day money on a file we haven't seen.
Does my credit slow it down?
No. Every profile is reviewed the same way, from the deposits.
Is it slower for larger amounts?
The review is the same at $10K and $250K: three months of statements. Larger requests are sized from larger deposits; they aren't slower.
What should I have ready before I apply?
Your business name, average monthly revenue, what the money is for, and the last three months of business bank statements: all pages, PDF downloads from online banking, no photos or partial pages.
Related financing
- Working capitalPayroll, inventory, repairs and slow months. For any business, funds in as little as 24 hours.
- Working capital for restaurantsPayroll, a dead walk-in, the slow month. Card and cash deposits both count.
- Working capital for contractorsMaterials, payroll and the wait for a draw, sized from your deposits.
- Working capital for trucking & towingFuel, repairs, tires and slow-paying invoices. Factoring deposits count.
Read more on this
- 5 min readWorking Capital Without Tax Returns: How Bank-Statement Underwriting Actually WorksWorking capital decided on three months of bank statements, not tax returns: what the underwriter looks at, what counts as revenue, and why it's faster.Read →
- 5 min readRead Your Own Bank Statements the Way an Underwriter WillBefore you apply for working capital, spend ten minutes with your last three bank statements: what to look for, what to fix, and when to wait a month.Read →
Working capital products are subject to credit-based pre-qualification, bank statement review, and final approval. Amounts, terms, and cost vary by business and state. Not available in all states. This is a commercial financing offer only; no consumer financing is provided.