Next-Day Funding
Next-day funding delivers MCA proceeds the business day following contract execution — the standard MCA funding speed across most funders and significantly faster than traditional commercial lending timelines measured in weeks.
Why This Matters
Next-day funding mechanics: contract executed during business day, funding workflow processes overnight or early next morning, wire transfer executes during next business day banking hours, merchant receives funds typically by midday next business day. Compared to same-day funding (faster but requires morning execution), next-day funding extends contract execution windows to late afternoon while maintaining acceptable speed for most use cases. Standard MCA expectation in industry — funders providing only multi-day funding are competitively disadvantaged.
Frequently Asked Questions
Frequently Asked Questions
When is next-day funding sufficient versus same-day required?
Same-day matters for time-critical capital needs (inventory windows, equipment availability, urgent payroll). Next-day sufficient for most working capital, planned investments, and refinancing scenarios. Speed expectations evolved upward over past decade.
What banking infrastructure enables next-day funding?
Bank wire processing during business hours, ACH alternative for smaller advances, dedicated funding bank accounts maintaining adequate balances, and treasury management systems integrated with contract execution platforms.