Business Line of Credit
A revolving pool of capital you draw from again and again — pay interest only on what you use.
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Fastest to fund
Short-Term Loans
A single lump sum delivered fast and repaid over a few months — with fixed, predictable payments.
Amount range$5K – $250K
Typical term3–18 months
Funding speedSame / next day
What it is
A closer look at the Short-Term Loan
A short-term loan is the most direct way to put working capital to work fast. You receive a single lump sum, then repay it in fixed daily or weekly installments over three to eighteen months. There is no guesswork: you know the total cost and the payment schedule before you sign, so you can plan around it with confidence.
Because the term is short and the structure is simple, approvals are quick and documentation is light — making it the go-to choice when you know exactly what you need and want the money in hand today, not next week.
Funding range$5K – $250K
Best for
Is the Short-Term Loan right for you?
This product tends to be the strongest fit when one of these sounds like your situation.
- Urgent, one-time needs. Cover an emergency repair, a tax bill, or a sudden opportunity without delay.
- Bridging a short gap. Get over a temporary cash crunch you can comfortably repay within the year.
- Predictable budgeting. Lock in a fixed payment so the cost never moves on you.
- Fast inventory buys. Stock up ahead of a busy stretch and repay as the revenue lands.
How it works
From application to funding
01 Step 1
Apply in 5 minutes
Complete the short online application and connect a few bank statements.
02 Step 2
Same-day review
An advisor underwrites your file fast and returns clear, fixed terms — no hidden fees.
03 Step 3
E-sign your offer
Review the total cost and payment schedule, then sign electronically.
04 Step 4
Funds land fast
Capital is wired to your account, often the same day, frequently the next.
Eligibility
What you need to qualify
Our requirements are refreshingly simple. Most businesses that meet these baselines are a strong candidate.
- 6+ months in business. A short operating history is enough to get started.
- $15,000+ in monthly revenue. Consistent revenue matters more than perfection.
- 500+ credit score. We look at the whole picture, not just one number.
Checking your options is free and uses a soft inquiry that does not affect your credit score.
Rates & terms
The details
| Detail | Short-Term Loan |
|---|---|
| Funding range | $5,000 to $250,000 |
| Term length | 3 to 18 months |
| Repayment | Fixed daily or weekly automatic payments |
| Pricing | Simple, transparent factor or fixed-fee pricing — no compounding surprises |
| Funding speed | Often same-day; next business day at the latest |
Figures are illustrative and for demonstration only. Actual rates, fees, and terms depend on underwriting and your business profile. Not an offer of credit.
Why owners choose it
The benefits at a glance
Speed above all
Same- and next-day funding for businesses that cannot wait on a bank timeline.
Fixed, predictable payments
The same amount comes out on the same cadence, start to finish.
Minimal paperwork
A short application and bank statements are usually all it takes.
No collateral required
Most short-term loans are unsecured — your assets stay your own.
Industries that lean on it
Popular with these businesses
See how the Short-Term Loan fits the way your industry actually runs.
Questions
Short-Term Loan FAQ
Many short-term loans fund the same day you are approved. Most others land in your account the next business day.
Pricing is quoted up front as a simple fixed fee or factor rate, so you will know the exact total before signing. There are no compounding surprises.
Yes. We never charge a prepayment penalty, and early payoff can reduce your total cost depending on your agreement.
If a few months feels tight, a long-term loan or line of credit may fit better — your advisor will help you compare.
Related funding
Other products to consider
Many owners blend two products for the perfect fit. Here are the ones most often paired with this one.
Ready for a short-term loan?
Apply in five minutes with no impact to your credit score, and talk to a real advisor today.