Short-Term Loans
A single lump sum, deposited fast and repaid over a short, predictable window—perfect when you have a clear use for the money and want to be done with it quickly.
What it is
A short-term loan delivers a fixed amount of capital to your account in a single deposit, repaid in equal installments over a few months to a year and a half. The total cost is set up front, so you know exactly what you'll pay before you sign.
Because the term is short and underwriting leans on your recent cash flow rather than years of history, approvals are fast—often within 24 to 48 hours. It's the most direct way to handle a specific, time-bound expense without committing to years of payments.
Best for
- A specific, time-sensitive need—a big inventory order, an equipment repair, or a marketing push.
- Bridging a payroll gap before a large invoice or contract payment clears.
- Owners who want fixed, predictable payments and a clear payoff date.
- Businesses that prefer to borrow, use, and be done rather than carry a revolving balance.
How it works
1. Apply in minutes
Submit a short online application and connect your bank statements—no hard credit pull to see your options.
2. Get approved fast
We review recent cash flow and return a clear offer, typically within 24–48 hours, with the full cost spelled out.
3. Receive your lump sum
E-sign and funds land in your account—often as soon as the next business day.
4. Repay on schedule
Make fixed daily, weekly, or monthly payments until the balance is cleared. Renew early once you've paid down.
Rates & terms
- Fixed payments—the same amount every cycle, no surprises.
- Transparent total cost disclosed before you sign.
- Early renewal available once you've paid down a portion.
Eligibility & requirements
Most businesses that meet our three core thresholds can qualify:
- 6+ months in business
- $15,000+ in monthly revenue
- 500+ personal credit score
- A US-based business bank account
Why businesses choose it
Funded in as little as a day
Once approved, money can hit your account the next business day.
Predictable by design
Equal payments and a fixed end date make budgeting simple.
Clear total cost
No compounding surprises—you see the full cost before accepting.
Renew as you grow
Pay down and qualify to renew for more, faster.
Frequently asked questions
Most short-term loans are approved within 24–48 hours, with funds deposited as soon as the next business day after you e-sign.
A short-term loan is a one-time lump sum with a set payoff schedule. A line of credit is revolving—you draw, repay, and reuse it. Short-term loans suit a single defined need; lines suit ongoing flexibility.
Almost any business purpose—inventory, repairs, payroll, marketing, or covering a temporary gap. There are no restrictions on how you deploy the capital.
No. Paying ahead of schedule is welcome and can reduce your total cost on many offers.
Related funding
Not sure this is the perfect fit? These products solve similar needs in different ways.
Need cash for a clear, near-term goal?
Get a fast lump sum with fixed payments and a definite payoff date—apply in minutes with no hard credit check to start.