02 — Term
Short-Term Loans
A defined lump sum repaid over a short, predictable window — ideal when you know exactly what you need and when you can pay it back.
What it is.
A short-term loan delivers a single lump sum of capital up front, repaid in fixed installments over a window of three to eighteen months. You know the full cost and the payoff date before you sign — no moving parts, no surprises.
It is the right tool when a need is concrete and time-bound: a bulk inventory buy ahead of a busy season, an urgent equipment repair, or a marketing push timed to a launch. Because the term is short, the total interest paid stays low even when the headline rate is higher than a multi-year loan.
Best for.
Reach for a short-term loan when the need is a single, well-defined amount with a clear and relatively quick payoff.
- Bulk inventory or supply purchases ahead of peak demand
- Urgent repairs or one-off operating costs that can't wait
- Bridging a known revenue event a few months out
- Time-sensitive opportunities that pay for themselves quickly
How it works.
Apply in minutes
Submit a short application and three months of bank statements. No hard credit pull to see your options.
Get a real offer
Our analysts underwrite the full picture and return a transparent offer, usually within 24 hours.
Sign electronically
Review the fixed amount, rate, and payment schedule in plain language, then e-sign.
Receive funds
Approved funds reach your account the same or next business day to put to work immediately.
Rates & terms.
- Loan amount
- $5,000 – $250,000
- Term length
- 3 – 18 months
- Factor / rate
- From ~1.10 factor
- Repayment
- Daily, weekly, or monthly
- Collateral
- Typically unsecured
- Prepayment
- Early-payoff discounts available
Rates and limits are illustrative and depend on underwriting, time in business, revenue, and credit profile. This is not an offer or commitment to lend.
Eligibility.
- 6+ months in business under current ownership
- $15,000+ in average monthly revenue
- 500+ personal credit score
- An active U.S. business bank account in good standing
Why businesses choose it.
Fast approval
Most offers land within 24 hours and funding follows the same or next business day.
Predictable payments
A fixed schedule means you know every payment and the final payoff date up front.
Low total interest
A short term keeps the total cost of capital modest even at a higher headline rate.
Lump sum on day one
Receive the full amount immediately — no waiting, no draw mechanics.
Often unsecured
Qualifying businesses borrow without pledging collateral.
Advisor guidance
A dedicated advisor helps you size the loan so payments fit your cash flow.
Short-Term Loans FAQ.
Related funding.
A clean, defined loan
Get a short-term offer in 24 hours.
Apply once and see a transparent, fixed offer — no hard credit check to start.