Everything You Need to Know About Short-Term Loans

When your business needs fast access to capital, short-term loans offer a flexible and reliable solution. Whether it’s covering operational costs, purchasing inventory, or seizing a new opportunity, a short-term loan can provide the financial boost you need—without the long-term commitment. At BusinessCapital.com, we make it easy to secure funding customized to your business’s needs.

What is a Short-Term Loan?

Short-term loans are designed to be repaid within two years or less, making them ideal for businesses looking for quick, temporary financial support. Unlike traditional long-term loans, these loans have a faster approval process, simpler qualification requirements, and more flexibility in repayment.

Our short-term loan options provide up to $150,000 in funding with a fast and straightforward application process. This means you can get the capital you need without the long delays often associated with traditional financing. For a complete overview of the process, check out our step-by-step guide to getting a small business loan.

• Repayment terms: Typically two years or less.
• Great for managing cash flow and handling unexpected expenses.
• Faster approval and flexible qualification criteria.

Why Choose a Short-Term Loan?

Short-term loans offer business owners a quick, adaptable funding solution. Whether you need to restock inventory, upgrade equipment, or support day-to-day operations, a short-term loan can provide the resources to keep your business moving forward.

• Fast funding for urgent business needs.
• Easy application with quick approvals.
• Use funds for almost any business-related expense.

How to Apply for a Short-Term Loan

Applying for a short-term loan at BusinessCapital.com is simple. Our online application takes just minutes, and you can receive a decision in as fast as 24 hours. Once approved, funds can be available as soon as the next business day. Check out our complete guide to same-day business funding to see how fast you can access capital for your business.

Our team of loan specialists is available to help guide you through the process, ensuring you get the best financing option for your business.

• Quick and simple online application.
• Loan decisions in as fast as 24 hours.
• Funds available as soon as the next business day.

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Inject Step 1 Start

Do you need a loan for your small business?:*

No   Yes  

Speak with Our Experts Today! Call 877-400-0297

Inject Step 2 Start

How long have you been in business?

Month:*

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Year:*

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Inject Step 3 Start

What is your annual revenue?:*

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Eligibility Requirements

To qualify for a short-term loan with BusinessCapital.com, your business must meet the following requirements:

• Operating for at least six months.
• Minimum monthly revenue of $15,000.
• FICO score of 500 or higher.
• Three months of bank statements for revenue verification.

Our eligibility criteria are designed to be accessible to a wide range of businesses, ensuring you get the support you need—when you need it.

Get Started Today

Short-term loans from BusinessCapital.com provide a fast and flexible solution for businesses looking to maintain stability or invest in growth. Whether you need capital for an immediate expense or want to take advantage of a new business opportunity, we’re here to help.

Start your online application now or call 877-400-0297 for expert guidance. Let’s secure the funding your business needs to thrive.

About The Author

Henry Pershin

As the Owner of BusinessCapital.com, Henry brings 20+ years of experience in small business financing to help companies grow and succeed. His straightforward approach has helped thousands of businesses get the funding they need through quick, transparent processes. At BusinessCapital.com, Henry leads a team focused on delivering real solutions and building lasting partnerships with clients across all industries.