Short-Term Business Loans
Short-term business loans deliver capital in days — not weeks or months — for immediate opportunities, bridge situations, and working capital needs. Typical terms are 3–18 months with fixed daily, weekly, or monthly payments.
About Short-Term Loans
Short-term business loans provide fast capital for immediate opportunities — seasonal inventory builds, emergency repairs, payroll gaps, marketing campaigns, or bridging to longer-term financing. Terms range from 3 to 18 months with daily, weekly, or monthly payment schedules. Approvals focus heavily on recent bank activity and cash flow rather than lengthy underwriting — funds typically arrive in 1–3 business days. Rates are higher than long-term loans, but the short duration and business acceleration often more than justify the cost.
Key Features & Benefits
Everything you need to know about what makes Short-Term financing a smart choice.
Fast Funding (24–72 Hours)
From application to funded account in 1–3 business days — among the fastest in business lending.
Minimal Documentation
Typically just 3–6 months of bank statements — no tax returns for smaller amounts.
Flexible Use of Funds
Working capital, inventory, marketing, emergency repairs, payroll, or any legitimate business purpose.
No Collateral Required
Most short-term loans are unsecured (backed by personal guarantee and business cash flow).
Fixed Payments
Predictable daily, weekly, or monthly payments simplify cash flow planning.
Early Payoff Discounts
Many programs offer discounts for paying off early — reducing effective interest cost.
Who Uses Short-Term Financing
- Seasonal inventory purchases before peak selling
- Emergency repairs or equipment replacement
- Bridging cash flow gaps (A/R collections)
- Opportunity-based marketing campaigns
- Covering payroll during slow periods
- Taking advantage of supplier discounts for bulk purchases
- Bridging to longer-term financing (SBA, bank loan)
- Short-term expansion or new location opening
Qualifications & Eligibility
- Business in operation 6+ months (longer preferred)
- Average monthly revenue of $8,000+
- Credit score 550+ (600+ for best pricing)
- 3+ months bank statements showing consistent deposits
- No active bankruptcies or open collections
- Primary business bank account in borrower name
How It Works
Our streamlined process gets you from application to funding quickly.
Quick Application
Complete online application in 10 minutes; soft credit inquiry (no FICO impact).
Bank Statement Review
Connect your business bank account or upload 3–6 months of statements.
Same-Day Approval
Most approvals within 4–24 hours based on cash flow and business profile.
Term Sheet & Docs
Review offer with exact payment amount, schedule, and total cost; e-sign documents.
Same or Next-Day Funding
ACH deposit to your business account — typically same day or next business day.
Why Choose Growth Fund Partners for Short-Term
Frequently Asked Questions
Common questions about Short-Term loans answered.
How fast can I get funded?
Most short-term loans fund in 24–72 hours from application. Some programs offer same-day funding for existing customers or smaller amounts.
What credit score do I need?
Minimum 550 for most programs; 600+ for best pricing. Business cash flow is more important than personal credit on these short-term products.
Are rates really higher than long-term loans?
Yes — short-term rates are higher because the lender takes more concentrated risk over a shorter period. Factor cost or equivalent APR ranges from 15–50%. Compare total dollars paid, not just the rate.
Can I pay off early?
Most short-term loans allow early payoff. Some offer discounts for early payoff; others use factor-rate structures where you pay the full amount regardless. Ask about early payoff terms before signing.
Related Loan Programs
Explore similar financing options that might fit your needs.
Ready to Apply for Short-Term Financing?
Get pre-qualified in minutes. No impact to your credit score.