Short Term Business Loans

Fast Short-Term Business Capital

Fast capital for immediate business needs — approved and funded in as little as 24 hours.

$5K–$250K
Loan Amount
Factor 1.10+
Rate
3–18 Months
Term
24 hrs–3 Days
Funding Speed
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Product Overview

What is a Short-Term Business Loan?

Short term business loans deliver fast capital with minimal paperwork. While factor rates are higher than long-term options, they're designed for businesses that need capital quickly and can repay within 18 months. Common uses include urgent inventory purchases, payroll gaps, equipment repairs, and time-sensitive opportunities. Approval is heavily based on recent bank statements, not just credit.

The speed and accessibility of short-term loans make them one of the most popular financing tools for businesses that need to move fast. With daily or weekly repayment structures, you're steadily paying down the balance throughout the term rather than waiting for a monthly due date.

Key Benefits

  • ✓Approval in hours, funding in as little as 24 hours
  • ✓Bank statement-based approval — credit is secondary
  • ✓Minimal documentation requirements
  • ✓Revenue-based repayment options available
Who Qualifies

Requirements

Meet these basic qualifications to get started. Don't meet every requirement? Our advisors can help find alternatives.

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Minimum 6 months in business
💰
Monthly revenue $10K+
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Business bank account (3+ months history)
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Credit score 550+
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No open bankruptcies
How It Works

How to Apply

1

Quick Application

Complete a brief form and upload 3 months of bank statements. That's usually all it takes.

2

Discovery Call

An advisor reviews your revenue and determines the right amount and repayment structure for you.

3

Get Matched

We match you with the best short-term lender and submit your package for fast approval.

4

Get Funded

Approval within hours. Funds in your account in 24–72 hours. Move fast when opportunity calls.

Common Questions

Frequently Asked Questions

Short-term business loans typically range from $5,000 to $500,000 depending on monthly revenue, time in business, and credit profile. Most lenders size short-term loans at 50-150% of your average monthly gross revenue. Established businesses with strong cash flow may qualify for higher amounts. We compare options across our full lending network to find the maximum available for your situation.
Short-term business loans are among the fastest funding options available. Most approvals come within 24-48 hours, and funding typically transfers in 1-3 business days. Some lenders offer same-day funding for qualifying businesses with straightforward profiles and consistent revenue. This speed is one of the primary advantages of short-term products compared to SBA or conventional bank financing.
Repayment terms typically range from 3 to 18 months. Payments are usually structured as daily or weekly ACH withdrawals from your business bank account based on a fixed amount, making cash flow predictable. Factor rates (not traditional APR) typically range from 1.15 to 1.49 depending on credit and business profile. We model the full cost and cash flow impact before recommending any product.
Short-term loans make sense when you need capital quickly, have a specific near-term revenue opportunity to fund, or need to bridge a temporary cash flow gap. Because they carry higher effective costs than long-term financing, we only recommend them when the business use clearly justifies it — such as a contractor funding a project with a defined payoff date. We always evaluate lower-cost alternatives first.