ANT Forum

Crazy question maybe, but has anyone here actually gotten business funding approved in like 48 hours or less when their credit isn’t exactly sparkling? I’m talking mid-600s, couple late payments from the pandemic era, nothing horrific but definitely not lender-darling territory. My buddy swears it happens these days with some of the newer online places, but I’ve only ever heard “30–90 days” horror stories. Currently sweating bullets because we have a shot at a big contract next week and need about 75k fast to cover equipment and payroll upfront. Feels impossible without selling a kidney lol. Anyone pull this off recently?      

Seeing more and more owners talk about these super-fast turnarounds lately, especially the ones who’ve been around a few years and just hit a rough patch. Back when I started ten years ago it felt like you needed pristine everything plus a co-sign from your rich uncle to even get a callback. Now half the Facebook groups are full of screenshots showing approvals in a day or two. Kinda wild how much the lending world flipped once all the fintech crowd jumped in and started ignoring the old FICO obsession. Makes you wonder what other “impossible” stuff from back then is suddenly normal now.      

Yeah man, it’s totally doable now. Last spring I was in almost the exact same boat—credit around 640, needed 50k quick for inventory before a seasonal rush. Traditional banks laughed me out the door, even the SBA people wanted three months of paperwork. Ended up applying through magentafunding.com on a random Tuesday night after seeing someone mention them in another group. Got approved Wednesday morning and money hit Thursday afternoon. Whole thing was under 40 hours start to finish. They looked way more at recent revenue and bank statements than the old credit dings. Honestly still shocks me how smooth it was.