What "same-day" means on this page
We do not promise funding on the day you apply, and you should be wary of anyone who does. What we can say is that approved files can be funded in as little as 24 hours, and that decisions come quickly when the paperwork is complete. The gap between those two things is almost always documents, not underwriting.
So this page is less about a clock and more about the habits that make a request easy to read on the first pass.
Short-notice costs in a supplier town
Sunnyvale sits in the middle of Silicon Valley. Many technology companies are headquartered there and many more operate there, including several aerospace and defense companies. Most small businesses in the city do not compete with those firms; they serve them. Think of the machine shop that turns prototype parts, the electrical contractor wiring a lab, the caterer feeding an all-hands, or the cleaning crew on a campus contract.
That kind of work creates a familiar squeeze. A large customer adds a rush order, you buy material and pay overtime this week, and their accounts payable pays you on their schedule, not yours. Nothing is wrong with the business. The cash simply leaves before it comes back. Fast funding is meant for that moment, not for a business that is losing money every month.
The file that moves vs. the file that stalls
| Moves quickly | Stalls |
|---|---|
| All three recent months of business bank statements, full PDFs from the bank | Screenshots, partial months, or a personal account mixed in without explanation |
| A clear amount tied to a clear purpose, such as material for a confirmed order | "As much as I can get" |
| Owner answers follow-up questions the same afternoon | Questions sit in an inbox for two days |
| Large one-off deposits explained up front | Unexplained transfers that have to be asked about |
None of this is complicated. It is just the difference between a reviewer reading your file once and reading it three times.
Sizing a fast request, for illustration
Suppose a Sunnyvale fabrication shop lands a $90,000 purchase order from a hardware company, with $40,000 of aluminum and outside finishing due up front and payment expected well after delivery. Asking for the $40,000 gap plus a modest cushion is easier to support than asking for $250,000 because the opportunity feels big. These figures are only an example, not our terms or a typical outcome. Our range starts at $25,000 and runs to $5,000,000, so the amount should follow the need, not the ceiling.
Credit, paperwork and where to start
FICO 500+ is considered. We look at about three months of business bank statements, and no tax returns are required. The application takes about five minutes and uses a soft credit pull, and sole proprietors can apply. If your need is less urgent and more general, the Sunnyvale business funding page covers the wider picture. When you are ready, start the application.