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Short-Term Business Loans for Small Businesses
Fast, Targeted Capital to Seize Opportunities and Solve Urgencies
In business, timing is everything. When opportunity knocks or unexpected costs arise, the last thing you need is to wait weeks—or months—for a decision from a traditional lender. That’s where short-term business loans for small businesses come in.
At Business First Funding, we specialize in helping business owners access fast, flexible capital with repayment terms designed for speed and efficiency. Whether you’re managing an urgent repair, purchasing time-sensitive inventory, or ramping up for a new client contract, our short-term funding solutions are built for real-world momentum.
Short-Term Business Loans for Small Businesses
Fast, Targeted Capital to Seize Opportunities and Solve Urgencies
In business, timing is everything. When opportunity knocks or unexpected costs arise, the last thing you need is to wait weeks—or months—for a decision from a traditional lender. That’s where short-term business loans for small businesses come in.
At Business First Funding, we specialize in helping business owners access fast, flexible capital with repayment terms designed for speed and efficiency. Whether you’re managing an urgent repair, purchasing time-sensitive inventory, or ramping up for a new client contract, our short-term funding solutions are built for real-world momentum.
What Is a Short-Term Business Loan?
A short-term business loan is a fixed-sum loan repaid over a short period—usually between 3 to 18 months. It provides immediate working capital with a predictable repayment schedule, often through daily, weekly, or monthly payments.
Use it for:
Urgent equipment repairs or replacements
Seasonal inventory buys
Bridging cash flow between accounts receivable
Marketing campaign launches
Emergency payroll or utilities
It’s an ideal solution when you expect to see a quick return on investment or when access to capital is more important than long-term terms.
Why Traditional Working Capital Solutions Fall Short
Most banks require perfect credit, multiple years of financials, and long underwriting processes. But small businesses often:
Don’t have years of financial statements
Face seasonal income swings
Need capital now, not next month
Worse, when funding is approved, the terms may be too rigid to match your reality. At Business First Funding, we take a different approach.
We evaluate your business—not just your credit score.
Our process is streamlined, inclusive, and built around what makes small businesses successful: adaptability, momentum, and grit.
Who Should Consider a Short-Term Business Loan?
This option works well for:
Businesses with consistent revenue
Companies that need fast access to capital
Owners who prefer structured, fixed repayments
Entrepreneurs managing rapid growth or unexpected expenses
Industries that benefit include:
Retail & eCommerce – inventory needs or vendor payments
Professional Services – bridge client billing gaps
Construction – job startup costs
Healthcare – replacing medical tools or hiring staff
How the Process Works
1
Simple Application
Submit a quick application and provide 3–6 months of recent bank statements.
2
Fast Approval
We assess your revenue performance, not just your credit score. Most approvals are made within 24–48 hours.
3
Funds Delivered
Get cash in your account as quickly as the next business day.
4
Fixed Repayment
You repay the loan over a short term (3–18 months) with predictable daily, weekly, or monthly payments.
Key Features and Benefits
| Funding Type | Best For | Speed | Repayment Type |
|---|---|---|---|
| Working Capital Advance | Operational expenses | 1–2 days | Daily or weekly |
| Equipment Financing | Equipment or machinery | 3–5 days | Monthly, fixed |
| Short-Term Loan | Large expenses, fast return | 1–3 days | Fixed term |
| Revenue-Based Repayment | Variable-income businesses | 2–4 days | % of revenue |
| Merchant Cash Advance | Card-heavy businesses, fast capital | 1–2 days | % of daily card sales |
| Line of Credit | Ongoing or unpredictable needs | 3–5 days | As used |
Example Scenario
A boutique marketing agency lands a large client contract that requires up-front investment in freelance support, ad spend, and software tools. A short-term loan delivers $40,000 within 48 hours. The agency uses the capital to execute the campaign, gets paid within 60 days, and repays the loan in 6 months—all while growing its client portfolio.
Loan Amounts and Terms
Loan Size: $5,000 to $500,000
Repayment: Fixed daily, weekly, or monthly payments
Terms: 3 to 18 months
These loans are unsecured, meaning no collateral is required. Decisions are based on business performance, cash flow, and bank history—not just credit scores.
What You Need to Apply
We’ve stripped the complexity out of the application process:
Completed application
3–6 months of business bank statements
Basic business details (EIN, time in business, monthly revenue)
No business plans, tax returns, or extensive documentation required. Our process is designed to move fast.
Straight answers. Zero fluff.
Frequently Asked Questions
How fast can I get funded?
Approvals often happen within 24 hours; funds can be deposited within 1–2 business days.
What if my credit isn’t great?
We look at the full picture—especially revenue trends and time in business.
Is this a loan or a line of credit?
This is a fixed-term loan. For ongoing access, check our Business Line of Credit page.
Are there prepayment penalties?
No. Early payoff is allowed—and may reduce total repayment cost.
Do I need to use the loan for a specific purpose?
No. You can use it for any business need.
Is a Short-Term Business Loan Right for You?
If you're facing a time-sensitive business expense or growth opportunity and want a clear, fast path to capital, this solution was built for you.
Our clients choose short-term loans to move faster, act decisively, and grow with control. If that sounds like your business mindset, we’d love to support your next move.
Apply today and get funding that keeps up with your ambition.
We’re here to make accessing capital for your company as easy as possible.
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