Fastest funding

Short-Term Loans

A lump sum delivered fast and repaid on a short, fixed schedule — built for time-sensitive moves.

Amount range$5K–$500K
Typical term3–18 months
Funding speedSame day
Apply for Short-Term LoansAll products

What it is

A short-term loan puts a fixed amount of capital in your account fast, then repays it over a compact schedule of three to eighteen months. It's the workhorse product for opportunities and emergencies alike — when you know exactly how much you need and you need it now.

Because the term is short, you carry the debt for less time and pay it off quickly, freeing your balance sheet for the next move. Same-day funding is available for qualified applicants, and payments are fixed and predictable from day one — no surprises, no balloons, no prepayment penalties if you clear it early.

Best for

  • Seizing a time-sensitive opportunity or bulk-order discount
  • Funding urgent repairs or unexpected expenses
  • Bridging the gap before a large invoice or contract pays out
  • Covering a short, well-defined project with a clear payoff
  • Owners who want to be debt-free again quickly
How it works

From application to funded

01

Apply in minutes

Submit a short online application and connect your business bank statements — no hard credit pull to see offers.

02

Review & approve

We underwrite on real cash flow, not just credit score, with most decisions in hours.

03

Sign your terms

E-sign a transparent agreement with your exact payment amount and schedule spelled out.

04

Get funded

Approved funds can hit your account the same day.

Rates & terms

The details, in plain numbers

Loan amounts$5,000 – $500,000
Terms3 – 18 months
Payment frequencyDaily, weekly, or monthly options
Rate rangeFactor rates from 1.10; APR equivalents vary by profile
Funding speedSame day to next business day
CollateralTypically unsecured
PrepaymentNo penalty — early payoff can reduce total cost
Eligibility

What you'll need to qualify

6+ months
Time in business
$15,000+
Monthly revenue
500+
Credit score
  • Active U.S.-based business bank account
  • Three months of recent bank statements
  • Basic business and ownership details
Why owners choose it

Benefits of Short-Term Loans

Same-day funding

Qualified applicants can receive funds the same business day they sign.

Fixed payments

Your payment amount and schedule are locked from day one — easy to budget around.

Short commitment

Carry the debt briefly and return to a clean balance sheet fast.

Credit-flexible

We weigh cash flow heavily, so a 500+ score and steady revenue can qualify.

No prepayment penalty

Pay it off early and you may save on the total cost of capital.

Simple terms

One clear agreement, no hidden fees or surprise balloon payments.

Industries we fund with Short-Term Loans: popular fits include Construction, Auto Repair, HVAC. See all industries.

FAQ

Common questions

For qualified applicants, funds can be deposited the same business day you sign. Most others fund within 24 hours.
Generally 6+ months in business, $15,000+ in monthly revenue, and a 500+ credit score. Strong cash flow can offset a lower score.
Yes. There's no prepayment penalty, and clearing the balance early can reduce your total cost of capital.
Payments are automatic on a daily, weekly, or monthly schedule you agree to upfront, drawn directly from your business account.
Related funding

Other products to consider

Line of Credit

Flexible revolving capital you draw on demand and only pay for when you use it.

Explore Line of Credit

Merchant Cash Advance

A lump sum repaid as a flexible share of your daily card sales.

Explore Merchant Cash Advance

Long-Term Loans

Larger amounts over longer terms for expansion, with the lowest monthly cost.

Explore Long-Term Loans

Ready to put Short-Term Loans to work?

Apply in about five minutes with no impact to your credit score to see what you qualify for. A funding advisor can have you funded fast.

Apply nowTalk to an advisor