We fund same day,$5K to $2M.

Apply in minutes, any hour. Approved on a business day, funded that day.

Funding applicationOpen now, now
Step 1 of 9

Choosing an answer moves to the next question.

Step 1 of 9. How much do you need?

Checking your options will not affect your credit score.

$100,000

$5,000$2,000,000
  • 256-bit encryption
  • Soft credit check
  • No obligation

Same-day funding available for approved applications on business days.

  • ApplicationOpen 24/7
  • Credit checkSoft, score unaffected
  • Your details256-bit encrypted
  • Time to applyAbout 2 minutes
  • Funding range$5K to $2M
  • Obligation to acceptNone
  • Paperwork to startNone
  • Next stepA specialist calls you

Before you hit submit

Fast, and still on your terms.

Speed is the point. So is knowing exactly what happens to your application, before you share a thing.

Score change None

Soft credit check

Checking your options will not affect your credit score.

Your options are ready

ReviewPass

Your call. Nothing to sign until you choose.

No obligation

See your options first. Accept an offer only if it works for you.

Business name
Mobile number
Email

256-bit encryption on

Bank-level encryption

Every answer you send is protected with 256-bit encryption.

  • A few questions
  • No paperwork to start
  • Phone or laptop

About 2 minutes

A short set of questions about your business. That is the start.

Funding range

$5K to $2M

Sized to your business and its revenue.

  • Merchant cash advance
  • Revenue-based financing
  • Business line of credit
  • Equipment financing

Right after you apply

A dedicated funding specialist calls you.

Open Hours specialistAbout your applicationPick up

One application, on the clock

Apply after close. Funded by the afternoon.

The application never closes. Send it whenever you finally sit down. A specialist reaches out as soon as possible, and approved funding can land the same business day.

Application timeline

Example
  1. 9:12 PM

    Application sent

    Two minutes, after closing up

  2. 8:45 AM

    Specialist calls

    Walks you through your options

  3. 10:30 AM

    Offer ready

    $85,000 to review

  4. 1:15 PM

    You accept

    Terms in writing first

  5. 3:40 PM

    Funds sent

    Same business day

A phone on a shop counter at night showing a completed application
Deposit receivedExampleBusiness checking, 3:40 PM+$85,000

Your offer

Example

$85,000

Merchant cash advance

Funding
Same day once approved
Terms
In writing before you sign
Obligation
None until you accept
Accept offerNot now

Illustration only. Timing depends on review and approval, and offers vary by business.

How it works

Three steps. No waiting room.

  1. 01 Open now

    Apply in about 2 minutes

    Tell us how much you need and a little about your business. Day or night, on any device.

  2. 02

    Talk to your specialist

    A dedicated funding specialist calls, explains your options in plain words and answers every question.

  3. 03

    Choose, and get funded

    Pick the offer that fits, or pass. Approved on a business day, funds can arrive that same day.

Products

Funding that fits how your cash moves.

You do not have to pick one up front. Apply once and your specialist matches you with the options that fit.

  • 01

    Merchant cash advance

    Funding today in exchange for a share of your future sales. A purchase of future receivables, not a loan.

  • 02

    Revenue-based financing

    Payments that follow your revenue, so a slower month asks for less.

  • 03

    Business line of credit

    Draw what you need, when you need it, up to your approved limit.

  • 04

    Equipment financing

    Spread the cost of the equipment that keeps your business running.

FAQ

Quick answers.

Something else on your mind? Email hello@openhourscapital.com.

How much can I apply for?

From $5K to $2M. The amount you are offered depends on your business, its revenue and the review of your application.

How fast is same-day funding?

Same-day funding is available for approved applications on business days. Apply any time, and once you are approved and accept an offer, funds can be sent that same day.

Can I apply at night or on the weekend?

Yes. The application is open around the clock and takes about 2 minutes. A funding specialist reaches out as soon as possible after you send it.

Will applying affect my credit score?

No. Checking your options uses a soft credit inquiry, which does not affect your score. A hard inquiry may happen only after you accept an offer.

What do I need to get started?

A few details about your business and the best way to reach you. There is no paperwork to start. If anything else is needed later, your specialist tells you.

What is a merchant cash advance?

A merchant cash advance is a purchase of a portion of your future receivables, not a loan. You get funding up front and it is paid back from a share of future sales.

Do I have to accept an offer?

No. You can review your options and decide. There is no obligation, and the full cost and terms are shared in writing before you sign anything.

Is my information secure?

Your application is protected with 256-bit encryption. Who we may share your details with is described in the consent on the application and in our Privacy Policy.

The application is open. Right now.

About 2 minutes, a soft credit check and no obligation. Same-day funding from $5K to $2M once approved.

Get funded

Same-day funding available for approved applications on business days.

Funding is subject to review and approval. Not available in all situations.

By submitting the application you agree to be contacted as described in the consent on its contact step. See our consent and privacy terms.

All financing is subject to approval and underwriting. Financing for business use only. Checking your options uses a soft credit inquiry that does not affect your credit score; a hard inquiry may occur only after you accept an offer. The total cost of financing, the payment schedule and all fees are disclosed in writing before you sign.

A merchant cash advance is a purchase of future receivables, not a loan.

© 2026 Open Hours Capital