Funded In As Little
As 24 Hours.
When cash is tight, waiting isn't an option. Open Capital advances capital against your future sales — decisions in hours, funds in your account often the same day or next. No banks, no weeks of waiting.
How much do you need?
Application to cash, in about a day.
No banks, no committees, no weeks of waiting. Here's how quickly it actually moves.
You Apply
Answer a few quick questions and upload your last 3 bank statements. No obligation, no credit impact.
You Get Offers
A real specialist reviews your file and comes back with real options — usually the same day.
You Get Funded
Approve the offer that fits and the capital can land in your account in as little as 24 hours.
The merchant cash advance specialists banks can't compete with.
Traditional banks have made it harder than ever for small and mid-sized businesses to access capital — endless paperwork, weeks of waiting, and a "no" at the finish line.
Open Capital was built to flip that. We focus on one thing and do it well: merchant cash advances. Through our network of vetted funding partners, we get you capital advanced against your future sales — matched to your real revenue, not a rigid credit checklist.
Because an advance is based on your sales rather than collateral or a perfect credit score, owners who get turned away by banks often qualify with us — and get funded fast.
Start Your Application"We don't push one product. We find what actually makes sense for your business — and we tell you straight."
Real options. No empty promises.
With a national network of funders behind you, every recommendation is made with clarity and your success in mind. You see the offers — you stay in control.
Get Funded →- ✦Decisions in hours, not weeksMost applicants get an initial answer the same day.
- ✦Real people in your cornerA dedicated advisor guides you through every step.
- ✦Compare before you commitWeigh multiple offers side by side — no pressure.
- ✦No credit impact to applyYour inquiry is soft until you choose to move forward.
One product. Done right.
We don't dabble in a dozen products. We specialize in merchant cash advances — funding built around your sales, not your collateral.
Funded On Future Sales
We advance you a lump sum today against a portion of your future revenue — capital in hand without tying up collateral.
Apply Now →Repayment That Flexes
Remittance is a small, agreed share of your sales — so it moves with your business through busy weeks and slow ones.
Apply Now →Approved On Revenue
Strong daily or weekly sales matter more than a perfect credit score. If banks said no, an advance may still be a yes.
Apply Now →Funding that moves you forward.
From daily expenses to new markets — put your capital to work however your business needs.
Growth & Expansion
- Open new locations or remodel existing ones
- Launch new products or services
- Stock up ahead of seasonal demand
- Scale marketing and advertising
- Hire and build out your team
- Move on opportunities before competitors
Operations & Cash Flow
- Cover payroll, rent, and daily expenses
- Bridge gaps between receivables and payables
- Handle emergency repairs or surprise costs
- Pay down costly short-term debt
- Manage tax payments and insurance renewals
- Stay steady through slow seasons
Equipment & Upgrades
- Buy vehicles, tools, or heavy machinery
- Replace aging or broken equipment
- Invest in new tech and POS systems
- Improve safety and compliance
- Modernize your space for efficiency
- Keep pace with industry innovation
"Open Capital was different from every funder I'd talked to. They didn't push one thing — they found what fit my business. Funded in under two days."
The answers you're looking for.
How fast can I get approved and funded?+
Most applicants get an initial decision within hours of submitting their information. Once approved, funds can often be deposited in as little as 24 hours, depending on the documents required.
Will applying hurt my credit score?+
No. Your initial application and funding review use a soft inquiry, which does not affect your credit score. A hard pull only happens if you decide to move forward with a specific funder.
What can I use the funds for?+
Just about anything tied to your business — payroll, inventory, equipment, expansion, marketing, or covering a cash-flow gap. The capital is yours to use however it best supports your business.
What businesses do you work with?+
We work with small and mid-sized businesses across nearly every industry — retail, construction, transportation, healthcare, restaurants, and more. Startup or established, we'll help you find a fit.
Is a merchant cash advance a loan?+
No. A merchant cash advance is the purchase of a portion of your future sales at a discount — not a loan. There's no traditional interest rate or fixed monthly payment; instead, a set amount is remitted from your sales until the advance is satisfied. We deal exclusively in advances — we don't broker loans or lines of credit.
What do I need to apply?+
Just the basics: a few details about your business and your three most recent business bank statements. You can upload everything securely right inside the application.
Your next chapter is fundable.
Answer a few questions, upload your statements, and let's find the capital that moves your business forward.
Start My Application →