MCA, reinvented · direct lender since 2015
Capital,
made simple.
One short application. One direct funder. Cash in your account the same day — no shopping your file, no surprise fees, no runaround.
101 Crawfords Corner Road · Holmdel, NJ
See if you qualify · 30 seconds
Instant pre-qualification.
No credit pull.
Tell us three things. We'll give you a real funding range in seconds — no SSN, no hard inquiry, no obligation.
- · Soft check only — your credit isn't touched
- · Real numbers from a real lender, not a marketplace
- · No spam, no shopping your file
LET'S MEET
Let's get to know each other.
Schedule a video call with a funding advisor. No pitch deck, no pressure — just a real conversation about your business and what you need.
Same-day callbacks · Face to face, on your schedule
101 Crawfords Corner Road · Holmdel, NJ
Where we work
Come say hi
in person.
Our team works out of a business center in Holmdel, New Jersey. Not a call center, not a broker farm — a small team of funding advisors and capital partners who actually pick up the phone.
Prefer video? We do those too. Either way, you're talking to the same people who fund your deal.
Why we exist
We've seen the ugly side
of this industry.
Our team came up inside MCA. We watched borrowers get shopped to a hundred lenders before lunch — phones ringing for weeks, files sitting in inboxes they never authorized.
We watched predatory rates take down good businesses. Owners who could've made it, crushed by a stack that was never structured to be paid back.
So we built something different.
One funder. One relationship. Fair pricing on terms a real business can carry. Fees only when they make sense — discussed transparently when we present the offer, and minimal when they apply. We don't take advantage on fees.
We win when you win. That's the only way this works long-term.
How we're different
Three things we won't compromise on.
Speed matters because your time matters. Fair terms matter because your business has to survive what you sign. Trust is the sum of both.
We fund in-house first.
Your file stays confidential. Minimal shop only with your authorization — never blasted to a hundred lenders. One relationship, one funder, one phone line.
If borrowing an apple costs an apple, Phil runs out of apples.
We make money when you make money. Pricing structured around real cashflow, fees discussed transparently up front, and minimal when they apply. We don't take advantage on fees.
One dedicated funder. Built for the long run.
Personalized underwriting. A direct line to the person who actually approved your deal. Built for partnership across rounds — not a single transaction and goodbye.
01 — Our position
We saw an opportunity
to lead.
Alternative lending has a perception problem. For years, the industry has been defined by opacity, high rates, and relationships that are transactional at best. Borrowers expect to get shopped around. They expect hidden fees. They expect to be treated like a transaction, not a partner.
We knew better.
Our team has 10+ years in capital markets. We're not here to reinvent the industry or moralize about it. We're here to lead through execution — funding businesses fairly, moving fast, and standing by every partnership we sign.
That's it. That's the difference.
10+ years
Capital markets experience
Our team has closed thousands of partnerships. We know what works.
Hours, not days
From application to funded
We've optimized the entire process. Speed is respect for your time.
3,500+
Repeat and referral borrowers
Businesses come back. They refer others. That's what real partnerships look like.
02 — How we operate
How we fund differently.
What makes a partnership better? Transparency, speed, and fair terms. Here's how we deliver on each — and where most of the industry falls short.
We fund in-house first. Full confidentiality.
When you apply with Payday Capital, your file doesn't get blasted to 100 different lenders.
We evaluate what we can fund in-house. We present you our offer — transparent terms, all visible. If you want to explore other options, we authorize a minimal shop and protect your confidentiality.
One lender means one relationship. One person who knows your business. One partner invested in your success — not a broker collecting commission.
03 — Our standard
How we decide
to approve a deal.
We assess every opportunity the same way: can both sides win long-term? If the answer isn't yes, we don't sign.
Step 01
We understand your business.
- Bank statements — 3-6 months of real deposits
- Revenue trends and seasonality
- Current obligations and cash runway
- Growth trajectory and business maturity
- Industry dynamics and market position
Fair capital is built on data, not assumptions. We need to understand your business so we can structure terms you'll thrive with.
Step 02
We apply our standard.
- Sustainable payments — can you pay AND run your business?
- Transparent terms — nothing hidden, no surprises
- Fair pricing aligned with actual risk
- Reasonable protections — we're protected, you stay in control
- Partnership longevity — structured for growth, not extraction
A deal passes only if both parties succeed. If the math doesn't work for you, we restructure or decline. That's professional lending.
Step 03
You get a clear offer.
- Loan amount based on sustainable cashflow
- Clear flat fee — no hidden charges
- Flexible payment terms — weekly, bi-weekly, monthly
- Growth pathway — scale with us as you grow
- Exit clarity — what happens at maturity
Your offer is custom because your business is unique. Fair pricing works long-term. That's how sustainable businesses get built.
04 — The economics
Fair pricing is just
smart economics.
The wrong way
Lend $100. Demand $250 back.
The borrower pays. Once. Then their business collapses under the weight.
Next time the lender has $100 to deploy, the borrower is gone — defaulted or out of business. The lender made money on deal #1, and destroyed every future deal.
The Payday way
Lend $100. Ask for $130 back.
The borrower pays. And thrives. And borrows again next quarter. And the quarter after. And refers other businesses.
The lender makes less per deal — and more deals over time. That's a portfolio that compounds, not one that burns out.
At Payday Capital, we price fairly because:
1.You need to survive. If your payment is too high, you default — and we lose money too.
2.We want to keep working with you. A fair first deal leads to a second, then a long-term partnership.
3.Your success is our revenue. Your business grows, you borrow more, we earn more. Aligned.
05 — Offer assessment
Evaluating another offer? We'll assess it.
Considering multiple lenders? Submit any offer to us. We'll evaluate it against our standards and explain what you're actually signing — pricing sustainability, term transparency, payment structure, and lender protections.
- ✓ Standards alignment scoring
- ⚠ Areas to clarify or negotiate
- ✗ Standards concerns flagged plainly
Free if you apply with us. $100 standalone for evaluating outside offers.
Submit an offer for assessmentBanks vs. Payday Capital
Why operators choose us
over traditional banks.
Banks serve a purpose. When you need speed, flexibility, and a partner who answers the phone, this is the difference.
Bank timelines and requirements based on industry averages for SBA and small-business term loans. Your experience may vary by institution.
06 — The process
From application to funded.
Average time from application to funding: under 24 hours. Approval rate: 82% of qualifying businesses. Average ACH after acceptance: under 4 hours.
Apply
Tell us about your business and upload your three most recent business bank statements. No tax returns, no endless forms.
Approve
We evaluate your cashflow and structure an offer. We call you. You ask questions. We explain everything.
Accept
You review. You accept. Digital signature. No 1,000-page document — just a clear, simple agreement.
Funded
We send the funds via ACH. You run your business with capital. We're your dedicated lender going forward.
07 — Operators who fund with us
The businesses
behind the numbers.
“Treated me like a partner.”
No one else called me a hundred times. Payday picked up, structured terms I could actually sustain, and treated me like a partner. Two years later, we've funded three growth rounds together.
“Funded in hours, not days.”
They explained the terms upfront — no surprises, no buried fees. Funded in hours, not days. I told my accountant the timeline and she thought I was lying.
“One funder. No shopping my file.”
Other shops would've blasted my file to fifty lenders. Payday said, 'we'll fund you in-house.' They treated me like a partner, not a transaction. That's what I needed.
Testimonials reflect individual client experiences and are not a guarantee of future results. Names and likenesses used with permission; some details edited for privacy.
Common questions
Straight answers.
No fine print.
No. We run a soft inquiry to pre-qualify you, which is invisible to other lenders and does not affect your credit score. A hard pull only happens if you accept a final offer and we move to fund.
Most approved deals fund the same business day via ACH to your business bank account. If your statements are in by 11am ET, money is typically in your account before close. Worst case is next-day ACH.
We underwrite the business, not just the FICO. Strong monthly revenue and clean recent bank activity matter more than your personal score. We've funded operators in the 500s.
Pricing depends on revenue, time in business, and term length. There are no application fees, no junk fees, and no prepayment penalties. You'll see the full payback amount in writing before you sign — no surprises.
No. Payday Capital Corp is a direct alternative lender. Your file is never shopped to a marketplace of funders, and your information is never sold. One application, one decision-maker.
Three most recent business bank statements and a one-page application. That's it. No tax returns, no business plans, no collateral docs for most deals under $250K.
Talk to a funder
Rather just call?
Pick up the phone.
Real funding advisors at our Holmdel, NJ office — not a call center. Mon–Fri, 9am–7pm ET.
08 — Get funded
Get a real offer
in 3 minutes.
Checking your rate won't affect your credit. See your offer instantly and get funded the same day.