Short-Term Business Loans
Get $5,000 to $500,000
in Quick Working Capital
- Same-day approval decisions
- Funds available within 24-48 hours
- Flexible 3-18 month terms
- No collateral required
*Quick pre-qualification with soft credit check
What are Short-Term Business Loans?
Short-term business loans provide quick access to working capital for immediate needs. These loans are designed for businesses that need fast funding for urgent expenses, seasonal cash flow gaps, or time-sensitive opportunities.
Quick Approval Process
Get approved within hours, not weeks like traditional bank loans.
Flexible Terms
Choose repayment terms from 3 to 18 months that fit your cash flow.
No Collateral Required
Unsecured loans based on your business performance and credit.
Why Choose Short-Term Business Loans?
Perfect for businesses that need quick capital injection to handle immediate expenses or capitalize on time-sensitive opportunities.
Immediate Cash Flow
Bridge cash flow gaps during slow seasons or while waiting for customer payments to arrive.
Inventory Purchases
Stock up on popular products, take advantage of supplier discounts, or prepare for busy seasons.
Equipment & Repairs
Replace broken equipment, upgrade technology, or make urgent repairs to keep operations running.
Marketing Campaigns
Launch time-sensitive marketing campaigns, hire agencies, or invest in advertising opportunities.
Payroll & Expenses
Meet payroll obligations, pay suppliers, or cover operational expenses during temporary shortfalls.
Growth Opportunities
Seize unexpected business opportunities, enter new markets, or expand operations quickly.
Simple Qualification Requirements
Our streamlined requirements make it easier for small businesses to qualify for fast funding.
Minimum Time in Business
At least 3 months of business operation history
Monthly Revenue
Minimum $8,000 in monthly gross revenue
Credit Score
Personal credit score of 500+ (flexible for strong businesses)
Bank Statements
2-3 months of business bank statements
No Bankruptcies
No recent bankruptcies or tax liens
Short-Term Loan Terms & Features
Loan Details
Key Features
How Short-Term Loans Work
Get the working capital your business needs in just a few simple steps.
Quick Application
Complete our streamlined online application in under 10 minutes. No lengthy paperwork required.
Instant Review
Our advanced system reviews your application and provides a preliminary decision within hours.
Final Approval
Submit required documents and receive your final loan terms and approval same day.
Fast Funding
Sign your agreement and receive funds directly in your business bank account within 24-48 hours.
Frequently Asked Questions
Get answers to common questions about short-term business loans.
How fast can I get funded with a short-term loan?
Most approved applications receive funding within 24-48 hours. In some cases, same-day funding may be available for urgent needs and completed applications submitted early in the business day.
What can I use a short-term business loan for?
Short-term loans are perfect for immediate business needs like inventory purchases, equipment repairs, payroll gaps, marketing campaigns, seasonal expenses, or any urgent business opportunity.
How do repayments work for short-term loans?
Repayments are typically structured as daily or weekly automatic withdrawals from your business bank account. The payment amount is fixed, making it easy to budget and manage cash flow.
Do I need collateral for a short-term business loan?
No, our short-term loans are unsecured, meaning no collateral is required. Approval is based on your business revenue, credit history, and overall financial health.
Can I pay off my loan early?
Yes, you can pay off your short-term loan early. Many of our loan products offer early payoff options, and some may include savings on interest charges for early repayment.
What if my business is seasonal?
Seasonal businesses are welcome! We understand cash flow fluctuations and can work with businesses that have seasonal revenue patterns. We'll review your annual performance and seasonal trends.
Ready to Get Your Short-Term Business Loan?
Don't let cash flow gaps hold your business back. Get the working capital you need with our fast and flexible short-term loans.
*Fast pre-qualification • Same-day decisions • No hard credit pull to apply