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Funding program

Short-Term Business Loan

For the thing that cannot wait for a longer approval.

Funding amount
$10k to $1M
Term
Up to 24 months
Starting rate
6%
Time frame
1–2 days

Get my free quote (844) 312-1444

Short-Term Loan

Is it right for you?

Pick a short-term loan for a need with a date on it, where speed matters more than stretching the payments out.

Check my options

Often used for

  • A slow month before a busy one
  • An urgent repair
  • A short project that pays back fast
  • Bridging a late payment

The basics

What a short-term loan actually is

A short-term loan works like a term loan over a shorter payback period. It is built for the things with a date on them: an unexpected cost, a slow season, a short project that pays for itself before the loan is done.

Being in a hurry is exactly when the wrong facility gets signed, so a specialist goes through what came back with you before anything is accepted.

Funded in days, not weeks.
Approvals in 24–48 hours in most cases.
Fixed schedule.
You know the last payment date on the first day.
No hard credit pull to start.
Finding out what you qualify for costs nothing.

Step by step

How a short-term loan works

  1. Apply in about 30 secondsThe basics about the business and the amount you need. A soft pull, so no mark on your credit.
  2. See offers fastOften within hours, each with its payback period and total cost spelled out.
  3. Funded in 1–2 daysPayments run on a fixed schedule until it is paid off.

Start my application

A pre-approval being shaped into terms that fit.

Qualifying

What lenders look at

No single number decides it. Lenders weigh the whole picture of the business.

  • Recent revenueThe last few months matter most for a short payback.
  • Time in businessShows the business is established enough to repay quickly.
  • Bank activityThree months of statements show how cash moves.
  • CreditConsidered, but not the deciding factor on its own.

Good to know

The upside

  • Fast, often funded in a day or two
  • Paid off quickly, so it doesn't linger
  • A fixed end date from the first day

Worth weighing

  • Shorter terms mean larger individual payments
  • Costs more per year than a longer loan, so it suits needs that pay back fast

Every offer shows its full cost and terms before you decide, and a specialist goes through them with you.

Why apply with us

One application, 50+ lenders competing for it.

  • A real person reads your fileA U.S.-based specialist reviews every application. No bots, no runaround.
  • 50+ lenders, one applicationYour file goes to the whole network at once, so the offers compete for you.
  • Prices up frontEvery offer comes with its full cost and term before you decide. No surprise fees.
  • American small business onlyFrom one-person shops to multi-location companies — it is all this team does.
A U.S.-based specialist, reading a file rather than scoring it.

Questions

Short-Term Loan, answered

Still deciding? Call (844) 312-1444 and a specialist will talk it through.

How short is short-term?

Up to 24 months, and often less. The term is set in the offer before you sign.

Do I need collateral?

Many short-term offers are unsecured, though some lenders ask for a personal guarantee. Each offer says what it requires.

Can I qualify with bad credit?

Possibly. Lenders weigh recent revenue heavily, and the network includes programs from a 500 FICO.

Will applying hurt my credit score?

No. Checking your options uses a soft pull, which does not affect your score. A hard pull only happens if you choose to go ahead with a specific offer, and only with your permission.

Get a free quote

Get a free quote.

One application, real offers, and no obligation to take any of them. Starting does not affect your credit.

Rather talk to somebody first? (844) 312-1444.

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