Most Popular & Trusted
No Credit Check Loans

Up to $250,000 in your bank account in as little as 30 minutes.
No hidden fees or gimmicks. We are a proven, trusted lender with A+ ratings.
We have a 91% loan approval rate - highest in industry + lowest fees.

Apply by Phone | 1 (855) 410-2540

1-Minute Loan Approval Form

We Are A Direct Lender.
No Middleman Fees or Tricks.

Join Over 75,000 Small Businesses Who Have Used Overnight Financing with Success.

We offer competitive rates, high approval rates, quick processing, and instant decision online applications.


No Collateral Required

We approve bad credit and high risk businesses when everyone else denies the applications. Very minimal documentation is required.

No Business Plan or Personal Guaranty

With minimal documentation necessary, you receive your funding much faster than a bank loan so you can get back to building your business.

Extremely Flexible Re-Payment Plans

Increase your marketing, purchase equipment, expand or renovate, pay salaries, and more.

Apply 100% Free - No Obligation

Simple online form takes only about 1-minute for results. Our process is 100% confidential and free.

Frequently Asked Questions

How Does it Work?

Overnight Financing provides businesses, like yours, with non-traditional financing options including micro business loans, merchant cash advances, and equipment leasing. Many of our programs offer financing without the need for personal guarantees or pledged assets.

How Much Can I Borrow?

You may borrow up to $250,000 for immediate funding. We offer other options for up to $1.5 million.

Who Are You?

We are a leading provider of fast small business loans. We offer minority, women-owned, high-risk, and many other types of loans. When banks say no, we say YES!

What Are The Requirements?

We ask that you apply if you have been in business for at least 6-months and generate more than $10,000 per month. This doesn't mean that we will deny you if you don't fit these criteria, but your chances increase with the aforementioned criteria.

Meet Some of Our Recent Success Stories

Join our family of small businesses.

Dr. Michael Strausser

Chiropractor | Florida

I am so happy I chose overnight finance to help me hire on a new doctor. My business is booming now. Highly recommended.

Jake R. Loftis

Restaurant Owner | California

When my oven broke, I didn't have the funds to replace it. Overnight financing lent me the money to get my business back on track.

Trisha Johnson

Attorney | New York

I was not able to cover expenses while awaiting escrow on a case, but overnight financing sent me funds within 12 hours. Thank you!

Award-Winning Online SMB Direct Lender

100% Free & Instant Application

Fill out our form online 24/7 or give us a call for instant funding options for your business today.

Emergency Overnight Loans

Receive up to $250,000 in your account within 24 hours or less. Guaranteed.

Anonymous Online Application

We use bank-level security to ensure your information remains private.

Award-Winning Service

You can count on us to be there for you and your business day and night.