Short-Term Loans
A fast lump sum for a clear, time-bound need — with funding as soon as the same day.
Capital now, repaid on a clear schedule.
A short-term loan delivers a single lump sum up front, repaid in fixed installments over three to eighteen months. It's our most popular product for urgent, well-defined needs where speed matters most.
Because the term is short and payments are fixed, you know your total cost before you sign. There are no surprises and no prepayment penalties — pay early and you save on interest. It's the simplest way to act fast on an opportunity or cover an unexpected shortfall.
When speed and certainty matter.
Best for one-time, time-bound expenses where you want a fixed payoff date.
- Covering an unexpected cash shortfall
- Funding a single large inventory purchase
- Bridging until a big invoice or contract pays
- Emergency equipment repairs or replacements
- Launching a short, defined marketing push
- Seizing a time-sensitive growth opportunity
Funded in three quick steps.
Apply online
A 5-minute application plus three months of bank statements. Soft pull, no credit impact to apply.
Review offers
We assess real cash flow and present clear, fixed-payment offers, usually within 24 hours.
Sign & get funded
E-sign your chosen offer and receive the full amount — often the same or next business day.
Transparent pricing, no surprises.
Your exact rate depends on time in business, revenue, and credit profile. Here's the typical range.
| Detail | Range |
|---|---|
| Loan amount | $5,000 – $500,000 |
| Pricing | 1.10 – 1.45 factor rate |
| Term | 3 – 18 months |
| Repayment | Daily or weekly |
| Origination fee | 0% – 3% |
| Prepayment penalty | None — save on early payoff |
Figures are illustrative for this demonstration site. Actual rates, fees, and terms are set during underwriting.
What you'll need to qualify.
Short-term loans are among our most accessible products. Most approved applicants meet these baselines:
- 6+ months in businessTime operating shows us a track record to underwrite against.
- $15,000+ monthly revenueSteady deposits show capacity to handle the fixed repayment schedule.
- 500+ credit scoreWe approve a wide range — and short-term products are often available to newer credit profiles.
Benefits of short-Term Loans.
Funding as soon as today
Approvals in hours and funds the same or next business day — built for urgent needs.
Fixed, predictable payments
Know your total cost and payoff date before you sign. No moving parts.
No prepayment penalty
Pay early to cut your interest cost — there's never a fee for finishing ahead of schedule.
Minimal paperwork
An application and three months of statements is usually all it takes.
Soft pull to apply
Checking your offers won't touch your credit score.
Builds your track record
On-time repayment strengthens your profile for larger funding later.
Short-Term Loans FAQ.
For complete applications, approvals often come within hours and funds can reach your account the same or next business day.
Instead of an APR, short-term loans are often priced with a factor rate — a simple multiplier on the borrowed amount. A $50,000 loan at a 1.20 factor means you repay $60,000 in total, with no compounding.
Yes, and we encourage it. There are no prepayment penalties, and paying ahead reduces your total interest cost.
Anything that helps the business — inventory, repairs, payroll, marketing, or bridging a gap until a receivable clears.
Other ways to access capital.
Popular with these businesses.
This product is a frequent fit for these sectors — explore funding tailored to yours.
Need capital fast? Let's move.
Apply in five minutes and see real offers — with no impact to your credit score.