Short Term Business Loan
When time is critical, get up to $100k deposited in as little as 24 hours. No lengthy approvals — just fast capital to keep your business moving.
Apply for Fast FundingWhat is a Short Term Business Loan?
A short term business loan provides a lump sum of capital repaid over 6–12 months, typically with daily or weekly payments automatically drawn from your business bank account. The approval process is minimal — lenders focus primarily on your monthly revenue rather than your credit history.
While the rates are higher than traditional financing, the speed and accessibility make this the go-to option when you need capital immediately — to cover a payroll gap, seize a time-sensitive opportunity, or bridge a cash flow shortage before a large payment comes in.
Pros
- Funded in 24–72 hours
- Minimal paperwork
- Low credit score accepted
- No collateral required
- Based on revenue, not credit
- Flexible use of funds
Cons
- Higher rates (15%–35%)
- Short repayment window (6–12 months)
- Daily or weekly payment draws
- Can strain cash flow if misused
- Lower amounts than long-term loans
Who Should Consider a Short Term Loan?
Short term loans are best for businesses that have consistent revenue and need fast capital to navigate a temporary challenge or capitalize on a quick opportunity. Ideal scenarios include:
- Covering urgent payroll
- Seizing a time-limited supplier deal
- Bridging a cash flow gap
- Emergency equipment repair
- Accelerating a seasonal push
- Meeting a large order requirement
Eligibility Requirements
3+ Months in Business
Minimal operating history needed
$5k – $100k Available
Based on monthly revenue strength
24 – 72 Hour Funding
Fastest business loan option available
No Collateral Required
Revenue-based approval — no assets pledged
Rates & Terms Breakdown
| Feature | Details |
|---|---|
| Loan Amount | $5,000 – $100,000 |
| Interest Rate | 15% – 35% (factor rate) |
| Repayment Term | 6 – 12 months |
| Payment Frequency | Daily or weekly ACH draws |
| Approval Time | 24 – 72 hours |
| Collateral | None required |
| Minimum Revenue | $10,000+/month preferred |
| Best For | Emergency cash flow, urgent expenses, time-sensitive opportunities |
Is a Short Term Loan Right for You?
If speed is your top priority and you have consistent monthly revenue, a short term loan gets you funded faster than any other product. Just make sure your cash flow can comfortably handle the daily or weekly repayments throughout the term.
Ready to Get Started?
Apply now and get a funding decision in hours — not days.