Overnight Capital is a working-capital lender for US merchants — funded exclusively through our broker partners. Up to $1,000,000 per advance, with decisions and wires as fast as the same business day.
Single-draw merchant cash advances against future business revenue. Funded the same business day on approval. Available only through our broker partners.
A working-capital lender should be careful with the data, fast on the file, and steady on the relationship. We hold ourselves to all three.
Client banking is verified through encrypted, read-only links — we never store credentials, and we never initiate pulls outside agreed terms. Your office can present the data posture to compliance with confidence.
Files submitted with complete documentation typically receive a decision the same business day. Approved files wire on the same-day cycle when there's enough runway against the Fed wire cutoff — your merchant gets capital before competitors finish their first call.
Overnight Capital funds exclusively through our broker partners. Your office stays the relationship of record on every deal — we don't go around you to renew, refinance, or cross-sell to your merchant.
Most working-capital lenders blend channels — some sell direct, some run aggregators, most store banking credentials. Overnight works one way: through brokers, with read-only banking, and without crossing into your merchant relationship.
Comparison reflects general channel patterns in the working-capital industry. Specific lenders vary. Approval and final terms on submitted files are subject to underwriting review.
Overnight Capital is built around the same-day cycle. Submit early, decision midday, wire same-day. Tap any phase to see what happens.
Bank statements, ID, and basic business info land via your contact at Overnight. We start the verification with read-only banking access — no stored credentials.
Standard MCA package. We confirm the file is complete on receipt.
A single-draw merchant cash advance against future business revenue. We hold the file to the same standard whether it's a first submission or a fifth — and we move on the same-day cycle when the documentation is clean.
Overnight Capital funds exclusively through our broker partners. The relationship is a small, deliberate one — and the workflow is built around it.
Sign your broker office up below or email us directly. We confirm you're set up to submit deals to Overnight Capital. Onboarding is light and relationship-led — there's a person on the other end.
Send the standard merchant cash advance package — bank statements, ID, basic business info — through your contact at Overnight. We confirm completeness on receipt and start verification.
We underwrite, present a clear all-in offer, and wire approved files on the same-day cycle. Your office stays the relationship of record — we don't go around you to renew or cross-sell.
Overnight Capital funds exclusively through our broker partners. If you'd like to submit deals, sign your office up below or email info@overnight-capital.com.
Files submitted with complete documentation receive a decision the same business day in most cases. Approved files are wired against the same-day cycle.
Single-draw merchant cash advances against future business revenue, in amounts up to $1,000,000 per advance. Unsecured — we do not require collateral.
Your office stays the relationship of record. We work the file with you, and we don't go around your office to renew or cross-sell.
Send qualifying files directly to your contact at Overnight, or email info@overnight-capital.com. Standard MCA package — recent bank statements, ID, basic business information.
We use data encryption and read-only access for client bank verification. No credentials are stored, and we do not initiate any pulls outside of agreed terms.
US businesses across most industries with an operating history and consistent revenue. Specific qualification depends on underwriting review of each file.
Call (929) 205-8202 or email info@overnight-capital.com, Monday through Friday, 9am–6pm ET. Our office is in Kew Gardens, NY.
Tell us about your broker office. We'll reach out within one business day to set you up to submit deals to Overnight Capital.