What 60 Day Capital does

60 Day Capital (legally 60Day Capital, INC, incorporated in New York) is a private SMB lending intermediary and financial services platform headquartered in Great Neck, NY. The company operates a 100% online, self-serve application funnel (15-minute form) targeting small business owners and large business owners seeking rapid access to capital, with an 11-50 employee operation supported by an inside sales team. Its core offering is a multi-product lending marketplace that matches borrowers across more than 1,000 industries and subsectors with a network of lenders, facilitating funding ranging from $5,000 to as much as $10 million per transaction with same-day approval and 24-48 hour funding timelines.

The product portfolio spans bad credit business loans, SBA loans, merchant cash advances, business lines of credit, business term loans, invoice/receivables financing, revenue-based financing, equipment financing, and working capital loans. Beyond lending, the company has layered on credit card processing (with wholesale rates and a $89/month POS subscription), Employee Retention Tax Credit (ERTC) claim services and ERTC Advance funding, tiered credit repair and loan preparation services ($795-$2,250), and business credit card referrals via an affiliate arrangement. The company monetizes through origination fees/commissions on facilitated loans, transaction fees on merchant processing, professional service fees for credit repair and ERTC assistance, and affiliate referral income.

Go-to-market is a hybrid of product-led growth (self-serve online application) and channel partnerships, with an ISO Loan Referral Affiliate Program serving as a meaningful lead generation channel for Independent Sales Organizations and loan brokers. Marketing is supplemented by content marketing, SEO, and organic social media. The company serves businesses in the United States and Canada, claims 30,000+ businesses funded and $1.3 billion+ in cumulative financing facilitated, and reports an A+ BBB rating with 1,500+ five-star reviews. The "Powered by Davidoff Media" footer indicates an external technology/media relationship, though no venture capital or institutional ownership is disclosed.

Name

60 Day Capital

Legal name

60Day Capital, INC

Website

https://60daycapital.com

Company type

Private

Operating status

Operating

Headcount range

11–50 employees

Short description

60 Day Capital is a private online SMB lending marketplace that matches business owners across 1,000+ industries with a network of lenders, offering 24-48 hour funding from $5,000 to $10 million, alongside credit repair, ERTC, and credit card processing services.

Ownership category

akta.pro rank

Product category

Small Business Lending & Financing

NAICS

Mortgage and Nonmortgage Loan Brokers (52231), Activities Related to Credit Intermediation (5223), Other Nondepository Credit Intermediation (52229)

SIC

Loan Brokers (6163), Short-Term Business Credit Institutions (6153)

akta.pro primary industry

SME Lending & Working Capital Platforms (FSAGAJAA)

akta.pro secondary industries

Marketplace / Multi-Lender POS Financing Aggregators (FSAGAIAJ), Short-Term Credit Broking & Lead Generation (FSAKAMAN), Merchant Cash Advance & Revenue-Based Financing Enablement (FSAGALAH), Small-Dollar Short-Term Installment Loans (Non-payday) (FSAKAMAI)

Keywords

• Small business lending
• Merchant cash advance
• Revenue-based financing
• Working capital loans
• SBA loan brokerage

Headquarters

HQ city

Great Neck

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Marketing or Sales, Operations, Technology or R&D, Infrastructure, Others

Revenue model

1. Business Loans & Financing Products: 60Day Capital generates revenue by facilitating various business financing products including bad credit business loans, merchant cash advances, SBA loans, working capital loans, revenue-based financing, equipment financing, and invoice/receivables financing. The company acts as an intermediary matching small businesses with funding from its lender network, earning origination fees, commission on funded loans, and potentially factor rates on receivables financing.
2. Employee Retention Tax Credit (ERTC) Services: 60Day Capital assists businesses in retroactively claiming the Employee Retention Tax Credit for 2020 and 2021 wages, providing consultation and application filing services (Form 941-X). Businesses can qualify for up to $26,000 per employee through the ERTC program.
3. ERTC Advance: 60Day Capital offers ERTC Advance funding, allowing eligible businesses to receive ERTC funds within 1-2 weeks instead of waiting 6 months to 1 year for standard IRS processing.
4. Credit Card Processing / Merchant Services: 60Day Capital provides merchant credit card processing services, reducing merchant account fees and surcharges. Revenue is generated through wholesale processing rates, transaction fees, and POS system rental fees ($89/month for POS systems). The company has relationships with top U.S. credit card processors.
5. Credit Repair & Loan Prep Services: 60Day Capital offers paid credit repair and loan preparation services across multiple tiers (The Inquirer at $1,350, Credit Ready Business at $1,550, StartUp Capital Prep at $1,850, SBA & Term Loan Prep at $2,250). These are one-time professional service fees for credit improvement and business funding readiness.
6. Business Credit Card Referrals: 60Day Capital operates an affiliate sales network directing traffic to partner sites (such as CreditCards.com) for business credit card products, earning referral compensation for traffic directed to partner financial product sites.

Pricing tiers

Go-to-market motion3 records

Distribution channels3 records

Marketing channels5 records

Core offering

60Day Capital operates as a digital intermediary that originates and brokers a broad suite of small business financing products — including working capital loans, merchant cash advances, SBA loans, revenue-based financing, invoice/receivables financing, equipment financing, lines of credit, and term loans — sourced from a curated lender network and underwritten through a fully online 15-minute application with funding in 24–48 hours. In addition to lending, the company offers credit card processing, ERTC claim assistance and advances, credit repair and loan preparation services, personal loans, and an ISO Loan Referral Affiliate Program that distributes its financing products through independent brokers. The combined offering is targeted at U.S. small businesses, including those with low or no credit, as well as credit-challenged borrowers and ISO/channel partners.

Product overview

60 Day Capital is a financial services company offering a comprehensive suite of business lending products and financial solutions. The core offering consists of various business loan products including Bad Credit Business Loans, Business Loans For Women, Equipment Financing, Merchant Cash Advances, SBA Business Loans, Business Lines of Credit, Business Term Loans, Invoice/Receivables Financing, Revenue-Based Financing, and Working Capital Loans. Beyond lending, the company provides Credit Card Processing services, Employee Retention Tax Credit (ERTC) claim assistance, Credit Repair & Loan Prep advisory services, Business Credit Card referrals, and an ISO Loan Referral Affiliate Program. The product portfolio is primarily oriented toward small to medium businesses seeking flexible financing options with faster approval processes than traditional banks.

Differentiator

Problem solved

Functional benefit

Products and services

• Bad Credit Business Loans
• Business Loans For Women Specialized financing options tailored to support women-owned businesses with customized funding solutions.
• Equipment Financing Funding to purchase business equipment, allowing the equipment itself to serve as collateral for the loan.
• Merchant Cash Advance Advance of capital based on future credit card sales, with repayments deducted as a percentage of daily card transactions.
• SBA Business Loans Small Business Administration-backed loans providing government-guaranteed financing with favorable terms for eligible businesses.
• Business Line Of Credit Revolving credit facility allowing businesses to draw funds as needed, paying interest only on amounts used.
• Business Term Loans Traditional fixed-term loans with set repayment schedules for established businesses seeking substantial capital.
• Invoice/Receivables Financing Accounts receivable factoring services that provide immediate cash by selling unpaid invoices at a discount, with advances of 85–90% of invoice value upfront; starts at 1% per month (factor rates from 5.8%), terms up to 24 months, and funding in 1–2 weeks for amounts from $10,000 to $10,000,000.
• Revenue-Based Financing Flexible financing with repayments tied directly to business revenue, ideal for seasonal businesses with variable cash flow; funding $5,000–$5,000,000, starting at 1–6% per month, terms 3–24 months.
• Working Capital Loans Short-term financing designed to cover daily operational expenses such as payroll and rent; funding $1,000–$5,000,000, factor rates starting at Prime + 2.75%, terms 3 months to 10 years.
• Personal Loans Consumer credit providing quick access to flexible funding with fixed interest rates for various personal financial needs including debt consolidation.
• Credit Card Processing Merchant credit card processing services with wholesale rates, free POS systems, and reduced fees for businesses; POS systems available at $89/month and free terminals under qualifying programs.
• Employee Retention Tax Credit (ERTC) Services Assistance in retroactively claiming Employee Retention Tax Credits for wages paid during the COVID-19 pandemic period (March 2020–September 2021), including Form 941-X filing and ERTC Advance funding delivered in 1–2 weeks instead of waiting 6 months to 1 year for standard IRS processing; eligible businesses can qualify for up to $26,000 per employee.
• Credit Repair & Loan Prep Expert guidance and credit dispute services to improve personal and business credit scores and prepare borrowers for SBA, term, and startup capital financing; offered across tiered packages from $795 (Mortgage & Loan Prep) to $2,250 (SBA & Term Loan Prep), reported to help 76% of clients secure financing.
• Business Credit Cards (Referral) Referral service connecting businesses with top-rated credit cards offering rewards, cashback, and travel benefits via an affiliate partnership (e.g., CreditCards.com).
• ISO Loan Referral Affiliate Program Commission-based referral program for Independent Sales Organizations (ISOs), loan brokers, and referral partners to refer business funding clients; partners receive a dedicated account representative, automated CRM access, full sales support, and competitive commissions across SBA loans, merchant cash advances, business lines of credit, invoice factoring, business term loans, revenue-based financing, equipment financing, and ERTC advances; deals are also facilitated in Canada.

Quantifiable outcome

• Funding up to $5,000,000 available within 24-48 hours
• +4 more outcomes

Named customers3 records

Segments6 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Three partnerships are on record, tiered core and minor.

• Top U.S. Credit Card ProcessorscoreTechnology or Integration60Day Capital has direct relationships with the nation's top credit card processors enabling them to offer wholesale credit card processing rates to merchants. These processor relationships support 4 high-speed, fully redundant credit card processing networks ensuring 100% uptime for merchant clients.
• CreditCards.com (Affiliate Partner)minorChannel Partner/ Reseller/ Distributor60Day Capital's business credit card page is part of an affiliate sales network and receives compensation for directing traffic to partner sites such as CreditCards.com. This is a standard affiliate relationship where 60Day Capital refers visitors seeking business credit cards to the partner platform.
• ISO / Loan Broker AffiliatescoreChannel Partner/ Reseller/ Distributor60Day Capital's ISO Loan Referral Affiliate Program partners with Independent Sales Organizations (ISOs), loan brokers, and referral partners who direct small business clients to 60Day Capital's financing products. Partners earn commissions per qualifying funded client and receive a dedicated account representative, automated CRM system access, and full sales support. The program covers all major loan products including SBA loans, merchant cash advances, equipment financing, and revenue-based financing. Deals are also facilitated in Canada.

Scale indicators8 records

Recent moves6 records

Expansion highlights5 records

Broad incumbents

• BlueVine: Fintech SMB lender providing lines of credit, invoice factoring, and term loans through its own balance sheet; a broader incumbent in the SMB online financing space that overlaps with 60Day Capital's invoice financing and working capital products.
• OnDeck (Enova International): Established online SMB lender offering term loans and lines of credit, now part of Enova; a broader incumbent in the same small business online lending category where 60Day Capital operates.

Direct peers

• SmartBiz: Online SBA and small business loan marketplace partnering with banks and lender networks to deliver SBA loans, term loans, and lines of credit through a streamlined digital application—comparable SMB broker focused heavily on SBA.
• National Funding: SMB lender providing working capital loans, equipment financing, and merchant cash advances to small businesses with subprime-friendly underwriting, directly comparable to 60Day Capital's product mix.
• Lendio: Operates an online SMB loan marketplace connecting small business owners with a network of lenders across term loans, lines of credit, MCA, SBA, equipment financing, and invoice factoring—the closest direct competitor to 60Day Capital's core model.
• Biz2Credit: Online SMB loan marketplace offering term loans, lines of credit, SBA loans, and equipment financing matched through a network of lenders, with a similar small-business broker model to 60Day Capital.
• CAN Capital: Direct SMB working capital provider offering merchant cash advances and small business loans, including to subprime borrowers, overlapping directly with 60Day Capital's MCA and revenue-based financing products.
• Rapid Finance: Direct online funder of working capital, merchant cash advances, and small business loans for SMBs, with a similar subprime-friendly, fast-funding model to 60Day Capital.
• Fundera: SMB loan brokerage (owned by NerdWallet) that matches small businesses to lenders offering term loans, lines of credit, SBA loans, and merchant cash advances through a self-serve online application, directly comparable to 60Day Capital.

Emerging players

• Kapitus: Online SMB lender providing working capital, SBA loans, and revenue-based financing through a network of partners and ISOs, with overlapping product lines and channel model to 60Day Capital.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks5 records

Key highlights7 records

Customer concentration

• Xx.com/60DayCapital
• Instagraminstagram.com/60daycapital
• Facebookfacebook.com/60daycapital
• LinkedInlinkedin.com/company/60daycapital

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about 60 Day Capital