Short Term Business Loans
When your business needs capital fast, short term loans deliver. With streamlined applications and rapid funding, you can address urgent needs, seize opportunities, and bridge cash flow gaps without the lengthy process of traditional financing.
$5K–$250K
Loan Amount
From 1.1x
Factor Rates
3–18 months
Terms
24–48 hours
Funding Speed
What are short term business loans?
Short term business loans are financing products with repayment periods typically ranging from 3 to 18 months. They're designed for businesses that need quick access to capital for immediate needs — whether that's covering a cash flow gap, purchasing inventory, or taking advantage of a time-sensitive opportunity.
Because of their shorter duration, these loans have a faster application and approval process. Many alternative lenders can approve and fund short term loans within 24-48 hours, making them ideal when speed matters.
Key Benefits
- Funding in as little as 24 hours
- Flexible qualification requirements
- Use for any business purpose
- Build toward longer-term financing options
Requirements
Meet these basic qualifications to get started. Don't meet every requirement? Our advisors can help find alternatives.
How to apply
Quick Application
Fill out our simple inquiry form with your business details and funding needs in just 5 minutes.
Discovery Call
Speak with a funding specialist who will craft a personalized strategy based on your goals.
Get Matched
Your dedicated advisor matches you with the best lenders and products from our network.
Get Funded
Complete the process with expert guidance and receive the capital your business needs.
Frequently asked questions
Many short term lenders can approve and fund loans within 24-48 hours. Some offer same-day funding for applications submitted early in the business day.
A factor rate (e.g., 1.1x–1.5x) is multiplied by your loan amount to determine the total repayment. For example, a $100K loan at 1.2x factor rate means you repay $120K. This is different from an APR interest rate.
On an annualized basis, short term loans can have higher effective rates than long term options. However, because you're repaying quickly, the total dollar cost of interest may be reasonable for the funding speed and convenience.
Yes, many short term lenders focus primarily on your business revenue and bank account activity rather than your personal credit score. Options exist for credit scores as low as 500.
Explore similar funding options
Ready to get funded?
Take the first step toward the capital your business needs.
Start Your Application