Urgent repairs
Fix the equipment, vehicle, or storefront that is costing you revenue every day it is down.
Short-Term Loans
A fast lump sum with a clear, fixed payback schedule for a defined need.
Amount$5,000 – $500,000
Typical term3 – 18 months
Funding speedSame-day / next-day
What it is
How short-term loans works for you
A short-term loan delivers a single lump sum up front, repaid on a fixed daily or weekly schedule over three to eighteen months. It is built for specific, time-sensitive needs where you know exactly what the money is for and want to be debt-free again quickly.
Because the term is short and the payment is fixed, the math is simple: you know the total cost on day one, with no surprises. Approval is fast and paperwork is minimal, so capital is in hand when the opportunity — or the emergency — is still in front of you.
Best for
When it's the right fit
Large one-time orders
Buy the materials to fulfill a big contract you would otherwise have to turn away.
Seasonal pushes
Staff up and stock up ahead of your busiest weeks, then repay as the season pays off.
Bridging a gap
Cover a short, predictable shortfall without committing to years of debt.
How it works
From application to funded
1
Apply online
A five-minute application plus three months of bank statements — no hard credit check to apply.
2
Receive clear offers
We underwrite on real cash flow and return fixed-payment offers within 24 hours.
3
E-sign your offer
Pick the term and payment that fit and sign electronically in a few clicks.
4
Get funded fast
Funds arrive as soon as the same or next business day.
Rates & terms
The numbers, in plain sight
Every offer is quoted with the full cost up front — no hidden fees, no confusing fine print. Your exact rate and term depend on your business profile and our underwriting.
Eligibility
What you'll need to qualify
Most businesses that meet our three baseline criteria can qualify. Stronger profiles unlock larger amounts and better pricing.
Soft check to start
Seeing your options never affects your credit score — we only run a hard pull once you choose to move forward on a specific offer.
Why businesses choose it
The benefits
Fast funding
From application to deposited funds in as little as one business day.
Fixed, predictable payments
The same amount comes out on the same schedule — easy to plan around.
Minimal paperwork
No tax returns or business plans for most amounts — just bank statements.
Early-payoff savings
Clear the balance ahead of schedule and we discount the remaining cost.
Popular with
Industries that rely on this
Good to know
Frequently asked questions
Many short-term loans fund the same day you sign, and nearly all within one business day.
No. We use a soft pull to generate offers, which has no impact on your credit score.
Almost any business purpose — repairs, inventory, payroll, marketing, or covering a seasonal gap.
The opposite. Pay off early and we reduce the total cost of the loan.
Related funding
Other products to consider
Business Line of Credit
Reusable, draw-when-you-need-it capital you only pay for when you use it.
Explore Line of CreditMerchant Cash Advance
A lump sum today, repaid as a small slice of your daily card sales.
Explore Merchant Cash AdvanceLong-Term Loans
Larger capital over a longer horizon, with lower payments for the big moves.
Explore Long-Term LoansReady to put this capital to work?
Start your application in minutes. Checking your options is free and never affects your credit score.