Your bank said no.
Your revenue says otherwise.
Working capital from $10,000 to $500,000+, from independent funding partners who look at your deposits, not just your credit. Five-minute application. A real specialist on the phone.
Requesting a call or applying won't affect your credit score.1Two doors. Same desk.
Apply online
Five minutes. Agreement first, then your business, owners and bank verification. You get a file number the moment you submit.
Start your applicationTalk it through
A funding specialist answers your questions on amounts, total cost and timing before you apply. No obligation.
Call (XXX) XXX-XXXXHow a file moves.
Apply or call
Five-minute application, or a call with a specialist. Agreement first, so you know exactly how your information is used.
Verify your bank
Connect securely through our verification provider. We never see your password. Uploading statements works too, but takes longer.
Compare offers
Your file goes to funding partners likely to approve it. Each offer shows the amount, total repayment and payment schedule.
Get funded
Accept the offer that fits. The funding partner sends funds to your business account.
Built for operators.
All industriesRead the whole number.
A merchant cash advance is fast and flexible, and it usually costs more than a bank loan. Every offer we present shows the amount, the total you'll repay and the payment schedule, so you can decide with eyes open.
How factor rates workKnow your options.
A merchant cash advance isn't right for everyone. Here's how it compares, so you can choose with eyes open.
| Feature | Merchant cash advance | Bank loan | SBA loan | Business credit card |
|---|---|---|---|---|
| Typical speed | Days | Weeks to months | Weeks to months | Days to weeks |
| Approval based on | Bank deposits | Credit, financials, collateral | Credit, financials, collateral | Personal credit |
| Paperwork | Application and bank login | Tax returns, statements, plan | Extensive forms and returns | Short application |
| Cost | Higher (factor rate) | Lower | Lowest, rates capped | High if a balance is carried |
| Repayment | Daily or weekly, from sales | Monthly, fixed | Monthly, fixed | Monthly minimum |
Your data, locked down.
Straight answers.
Are you a lender?
No. Daybook Capital is a commercial financing broker. We prepare your file and present it to independent funding partners. Each funding partner makes its own decision and sets its own terms.
Does it cost anything to apply?
No. We never charge applicants. We are paid by funding partners when a deal funds. Any fee a funding partner charges is shown in its offer before you sign.
Will applying hurt my credit?
Requesting a call or submitting an application with us doesn't involve a credit check by us. Funding partners may run a soft or hard inquiry before making an offer; a hard inquiry can affect your score.
What do I need to qualify?
Most funding partners look for about 6 months in business and $15,000 or more in monthly deposits. Credit is considered, but deposits matter most.
How fast can I get funds?
It depends on the funding partner and how quickly your bank activity is verified. Connecting your bank is the fastest route; uploaded statements can add one or more business days.
Is a merchant cash advance a loan?
No. It's a purchase of a share of your future sales. It usually costs more than a bank loan, so we show the total cost of every offer and tell you when a loan may be the better fit.