Short-Term Business Loans
Loan amounts$5K - $500K
Term length3 - 24 months
Credit profile550+
Time to fund24 - 48 hours
Short-term financing
Fast Funding for Small Business Needs
Short-term business loans give you quick capital for urgent expenses, seasonal cash-flow gaps, inventory, or time-sensitive opportunities. Compare your options before you accept an offer.
Prefer to talk? (800) 949-0401
- Fast access to capitalHandle urgent needs without a bank timeline
- Flexible qualificationRevenue and deposits can support approval
- A shorter commitmentAvoid long-term debt for temporary needs
- Build business creditResponsible repayment can strengthen your profile
In short
A short-term business loan is financing repaid over a shorter period than a traditional term loan. Businesses often use it for immediate working-capital needs and temporary cash-flow gaps. It usually emphasizes current revenue and bank activity, and it can cost more than slower bank financing.
- Loan amounts
- $5K to $500K
- Term length
- 3 to 24 months
- Credit profile
- 550+
- Time to fund
- 24 to 48 hours
How it works
Short-term loans, explained plainly
Short-term business loans are repaid over a shorter period than traditional term loans. They fit immediate working-capital needs, temporary cash-flow gaps, and opportunities that need a faster decision.
Providers look closely at deposits, revenue consistency, credit profile, and time in business. Speed can come with higher repayment pressure, so check the cost and payment frequency first.
This type of funding suits a temporary gap with a clear repayment source better than a problem that repeats every month.
What works in your favor
- Quick access to working capital
- Revenue and bank activity can support approval
- Shorter repayment window
- Online application from any device
What to weigh
- Higher interest costs than slower bank financing
- Daily or weekly payments can strain uneven revenue
- Smaller amounts than major long-term investments
Financing types
Types of short-term business financing
The right structure depends on your amount, timeline, and what the money is for.
Business Term Loans
A lump sum repaid over a defined short-term schedule.
- Repaid by
- Defined schedule
- Best for
- Specific purchases or projects
Business Lines of Credit
Reusable capital for seasonal or recurring cash-flow needs.
- Repaid by
- Draws you repay
- Best for
- Seasonal or recurring needs
Working Capital Loans
Capital for operating expenses, supplier payments, inventory, or payroll.
- Repaid by
- Set payments
- Best for
- Day-to-day operations
Invoice Factoring
Funding tied to outstanding invoices, not only the owner's credit profile.
- Repaid by
- Customer invoices
- Best for
- Waiting on customer payments
Merchant Cash Advances
Revenue-backed capital repaid from future sales or receivables.
- Repaid by
- Future sales
- Best for
- Businesses with steady sales
Purchase Order Financing
Funding for supplier costs linked to confirmed customer orders, subject to review.
- Repaid by
- Customer payment
- Best for
- Filling confirmed orders
See which short-term option fits your business
Tell us your amount and what it is for. Review your options and costs before you decide anything.
Eligibility
What you'll need to apply
Eligibility varies by product. Short-term financing usually emphasizes current revenue and bank activity.
| Requirement | Typical range | Why it matters |
|---|---|---|
| Time in business | 3-12 months | Shows an operating track record |
| Annual revenue | $50K-$180K+ | Supports repayment |
| Personal FICO | 550+ | Part of the credit profile |
| Bank statements | Recent activity | Shows deposits and consistency |
| Business status | US-registered business with a US bank account | Required for all applicants |
Ranges as published on this page. Eligibility varies by product.
Funding estimator
How much could you qualify for?
Enter your average monthly revenue for a quick estimate. No credit check and no obligation.
$/ month
Estimated funding available$0
Continue to applicationAn estimate only, based on revenue. It is not a guarantee of funding or an offer of credit. Approval, amounts and terms depend on your business and the lender's review.
Before you borrow
Check these before you accept
Speed is useful, but cost and payment pressure matter just as much.
- Total repaymentCompare the full amount you will pay back, not just the amount you receive.
- Payment frequencyAsk how often payments are withdrawn and whether they are fixed or tied to sales.
- FeesReview origination and maintenance fees along with the cost measure used.
- Early repaymentAsk whether paying early reduces the remaining cost and how a payoff amount is calculated.
- Slower weeksTest the payments against expected receipts and a slower period.
- The final paymentPlan for it up front. Renewal depends on a new assessment and cannot be assumed.
The process
Four steps to funding
Apply online
Tell us how much funding you need and share your business details.
Review your options
Compare available amounts, costs, and repayment terms with a Crestmont specialist.
Compare offers
Look at amount, total repayment, term, payment frequency, and fees.
Receive funds
Accept your offer and complete the documents to receive funds after final approval.
Compare
Which structure fits your need
| Option | Best when | Trade-off |
|---|---|---|
| Business term loan | You have a specific purchase or project | Fits focused needs better than major long-term investments |
| Line of credit | Cash-flow needs are seasonal or recurring | Worth comparing if the same shortfall repeats monthly |
| Invoice factoring | Customers have not yet paid your invoices | Depends on your outstanding invoices |
| Merchant cash advance | Sales are steady and repayment can follow revenue | Factor rates need converting to compare the cost |
Ranges as published on this page. Your terms depend on your business and the lender's review.
Full guide
Short-term business loans provide quick capital for urgent expenses, seasonal cash-flow gaps, inventory, or time-sensitive opportunities.
What are Short-Term Business Loans?
Short-term business loans are financing options repaid over a shorter period than traditional term loans. They are often used for immediate working-capital needs, temporary cash-flow gaps, and revenue-generating opportunities that need a faster decision.
Benefits of short-term business financing with Crestmont
Fast Access to Capital
A streamlined process can help qualified businesses handle urgent needs without waiting on a bank timeline.
Flexible Qualification
Revenue, deposits, and business performance can support approval even when credit is not perfect.
Shorter Commitment
Repayment is designed around a shorter window, which can avoid long-term debt for temporary needs.
Build Business Credit
Responsible repayment can help create a stronger profile for future financing.
What you'll need to apply
Eligibility varies by product, but short-term financing usually emphasizes current revenue and bank activity.
Time in business3-12 months Annual revenue$50K-$180K+ Personal FICO550+ Bank statementsRecent activity
All applicants must be a US-registered business with a US bank account.
How short-term business loans work
Short-term financing needs clear cost and payment-frequency education because speed can come with higher repayment pressure.
Apply Online
Submit business details, amount needed, and intended use.
Review Revenue
Participating providers review deposits, revenue consistency, credit profile, and time in business.
Compare Offers
Review amount, total repayment, term, payment frequency, and fees.
Sign Terms
Complete electronic documents for the offer that fits your cash flow.
Receive Funds
Approved funds can arrive quickly for qualifying businesses.
Quick Approvals
Decisions on qualified applications in as little as 24 hours.
Fast Funding
Funds released quickly once you accept an offer.
Minimal Documentation
A short list of documents gets the review started.
Online Applications
Apply from anywhere, on any device.
See your short-term business loan optionsTypes of short-term business financing
Business Term Loans
A lump sum repaid over a defined short-term schedule for specific purchases or projects.
Business Lines of Credit
Reusable capital for seasonal or recurring cash-flow needs.
Working Capital Loans
Capital for operating expenses, supplier payments, inventory, or payroll.
Invoice Factoring
Funding tied to outstanding invoices rather than only the owner's credit profile.
Merchant Cash Advances
Revenue-backed capital repaid from future sales or receivables.
Purchase Order Financing
Funding for supplier costs linked to confirmed customer orders, subject to review of the order and business.
Common uses for short-term loans
01
Seasonal Cash Flow
Bridge slow periods and repay when revenue picks up.
02Emergency Expenses
Handle urgent repairs, replacements, or sudden cost increases.
03Large Orders
Fund inventory or production needed to fulfill a larger order.
04Receivables Gaps
Cover expenses while waiting on customer payments.
05Operating Expense Gaps
Help an established business manage supplier bills and other operating costs while maintaining a repayment plan based on documented revenue.
06Short-Term Projects
Cover materials, temporary staffing, or other costs for a defined project, with repayment planned around the expected completion and customer payment dates.
Short-term business loan costs
Short-term financing can use APR, fixed fees, or factor rates. Compare the total repayment amount, payment frequency, term length, and any origination or maintenance fees.
Daily or weekly payments can work for businesses with consistent deposits, but they require careful cash-flow planning.
Compare offers on the same footing: our free business loan calculator shows the real APR with fees, and the merchant cash advance calculator turns a factor rate into an estimated APR.
Apply in minutes. Get funds as soon as 24 hours. Traditional bankWeeks of back and forth Crestmont Capital Apply Processing Approved Funded Apply Processing Approved Funded StatusStill processing As fast as24 hours
Potential short-term loan tradeoffs
Higher Interest CostsFrequent PaymentsSmaller Amounts
Higher Interest Costs
Speed and flexible qualification may cost more than slower bank financing.
Frequent Payments
Daily or weekly repayment can strain businesses with uneven revenue.
Smaller Amounts
Shorter terms often fit smaller, focused needs better than major long-term investments.
Get Started With Crestmont Capital
- 1
Apply Online
Tell us how much funding you need and share your business details.
- 2
Review Your Options
Compare available amounts, costs, and repayment terms with a Crestmont specialist.
- 3
Receive Approved Funds
Accept your offer and complete the documents to receive funds after final approval.
Why Choose Crestmont Capital for Short-Term Business Loans
Fast Decisions
A streamlined review process helps qualified businesses compare options quickly.
Flexible Options
Crestmont helps match the product structure to your amount, timeline, and use of funds.
Transparent Terms
Review repayment, fees, timing, and total cost before accepting an offer.
Experienced Team
Work with advisors who understand small business funding tradeoffs.
Simple Process
Apply online, review options, and complete documentation without unnecessary friction.
Dedicated Support
Get guidance from application through funding and future financing conversations.
Take your business to the next level
Compare short-term business financing options for urgent working-capital needs and temporary cash-flow gaps.
Questions
Common questions, clear answers
What is a short-term business loan?
It is business financing repaid over a shorter period, often used for urgent working-capital needs or temporary cash-flow gaps.
How fast can I get funding?
Qualified businesses may receive decisions quickly and funds within 24 to 48 hours after approval and documentation.
Are short-term loans expensive?
They can cost more than traditional long-term financing. Compare total repayment, fees, and payment frequency before accepting.
Can I qualify with challenged credit?
It may be possible when revenue and bank activity support repayment.
What can I use the funds for?
Common uses include inventory, payroll, receivables gaps, emergency expenses, large orders, and seasonal working capital.
Are short-term loan payments daily, weekly, or monthly?
Payment frequency varies by product. Ask whether payments are fixed or tied to sales, how often they are withdrawn, and whether the schedule fits slower weeks or seasons.
Is short-term funding right for a recurring cash-flow problem?
It is usually better suited to a temporary gap with a clear repayment source. If the same shortfall happens every month, review the underlying cash flow and compare a longer-term structure or line of credit.
How much should I borrow with a short-term business loan?
Base the request on a documented expense or temporary timing gap, then subtract cash already available for that purpose. Test the proposed payments against expected receipts and a slower period so the amount fits repayment capacity.
What should I check about fees and early repayment?
Review origination and other charges, total repayment, and any prepayment provisions. Ask whether paying early reduces the remaining cost and obtain a written explanation of how a payoff amount is calculated.
What if I still need funding when the short-term loan ends?
Plan for the final payment when evaluating the original offer. Future financing or renewal depends on a new assessment and cannot be assumed; consider how the business would meet its obligations if another offer is unavailable.
Cover the gap, on your terms
Share your business details and see what short-term financing could look like. You review the terms before you accept.