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Same-Day Funding is only available in certain states, for term loans up to $250,000. Eligibility window is Monday – Friday before 10:30 a.m. ET. If checkout is completed before 10:30 a.m. ET, funds may be available by 5:00 p.m. local time the same business day. If checkout is completed after 10:30 a.m. ET, or on a weekend or bank holiday, the loan will not qualify for Same-Day Funding and funds will typically be deposited within 2–3 business days.
Instant Funding requires registration and is subject to the Instant Funding Terms & Conditions. Instant Funding is limited to open lines of credit for draw amounts between $1,000 and $10,000, with a limit of one draw request per day. Not all banks or debit card providers participate. To qualify, you must register a business debit card that matches the information associated with your Excel Advance account. Transfers are typically completed within 30 minutes, but may be subject to additional restrictions or delays.
Certain industries are not eligible for financing (see list of restricted industries). In addition, Excel Advance does not lend to businesses located in North Dakota. Additional underwriting requirements may apply.
If you pay off an Excel Advance term loan early, you may still be required to pay a portion of the unpaid interest expense, as outlined in your loan agreement. The specific percentage will be disclosed in your agreement.
Eligibility for the lowest rates is very limited and available only to businesses with the strongest credit profiles and cash flow performance. This typically includes businesses that demonstrate excellent payment history on prior financing products with Excel Advance.
The average APR for term loans is 56.4%, and the average APR for lines of credit is 56.6%. Averages are based on loans originated in the six-month period ending June 30, 2025.
Depending on your state and other application factors, you may be required to make a minimum initial draw of $1,000 at origination.
Only customers who have previously renewed a term loan are eligible for a 0% origination fee. Customers renewing a term loan for the first time may receive a discounted origination fee. No origination fee discount applies to renewal loans with a 24-month term.
All loans are subject to lender approval. Depending on your state, business profile, and loan characteristics, financing may be provided by Excel Advance or one of its lending partners. The lender will be clearly identified in your loan agreement prior to signing.
Only select customers with strong credit profiles and sufficient verified monthly revenue who meet specific underwriting criteria are eligible for loan amounts up to $400,000.
Excel Advance® is a registered trademark. All rights reserved.

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