Many working capital lenders pride themselves on speed. You can often complete an online application in minutes and get a decision the same day or within 24 hours. Funding can occur in a day or two after approval, especially for loans under a certain threshold (like $100k). At Liberty Franchise Lending, we’ve helped franchisees secure short-term financing in under a week from initial request to funds in the bank. Banks might take a bit longer (maybe a couple of weeks for a line of credit), but alternative fintech lenders move very fast to provide cash when you need it.