Short-Term Business Loan
Lump-sum funding
Funds All at once
Predictable payments
Straightforward payment schedule
Fast decisions
Fast access to capital
How It Works
How It Works
How It Works
A Short-Term Business Loan gives your business fast, upfront capital with a clear end date. You receive a lump sum deposited into your business account and repay it on a predictable schedule—daily, weekly, or monthly—over 6 to 24 months. It’s designed for time-sensitive needs like inventory buys, equipment repairs, short-run campaigns, or bridging to a signed contract or seasonal spike.
Typical loan amounts range from $10,000 to $500,000+ depending on revenue, credit profile, and overall financials. Pricing may be interest-based or a fixed factor/fee depending on the program, and many lenders allow early payoff—often with potential savings on remaining interest/fees. Compared with a line of credit (which is revolving), this is a one-time lump sum that’s straightforward to plan around.
Most US business types qualify (LLC, Corp, Sole Prop) with an active business bank account, consistent deposits, and 6–12+ months in business preferred. To apply, you’ll generally provide a government ID, voided business check, the last 3–6 months of bank statements, and for larger amounts, recent tax returns or basic financials. Invoices, POs, or contracts can strengthen the file if funding supports a specific project.
⇒ Pros: straightforward, predictable payment schedule; fast access to capital for time-sensitive needs; potential prepayment savings on some programs; and clear end date—no revolving balance to manage
⇒ Cons: less flexible than a revolving line; daily/weekly payments can pressure cash flow if revenue is uneven; shorter terms mean higher payment amounts vs. longer loans; and may require a personal guarantee and/or collateral
Choose this option if you value speed, predictability, and a fixed payoff date. It’s a great fit for capturing vendor discounts, restoring revenue capacity after a repair, launching a campaign with near-term ROI, or ramping up for peak season. Apply for a short-term business loan now!
Compare at a glance
| Funding Option | Flexibility | Speed | Typical Cost |
|---|---|---|---|
| Short-Term Business Loan | Medium (fixed) | Fast | Low–Medium |
| Line of Credit | High (revolving) | Fast | Low–Medium |
| Merchant Cash Advance | Medium | Very Fast | Medium–High |
Compare at a glance
| Funding Option | Flexibility | Speed | Typical Cost |
|---|---|---|---|
| Short-Term Business Loan | Medium (fixed) | Fast | Low–Medium |
| Line of Credit | High (revolving) | Fast | Low–Medium |
| Merchant Cash Advance | Medium | Very Fast | Medium–High |
A one-time lump-sum business loan repaid on a fixed schedule over a short horizon (usually 3–24 months).
Short, high-ROI needs like inventory buys, bridging receivables/payables, seasonal stock, marketing pushes, or small equipment—when you want predictable payments.
LOC = revolving (draw/repay repeatedly).
MCA = variable % of sales on purchased receivables.
Short-term loan = lump sum with fixed payments and set end date.
Terms commonly 6–18 months (range ~3–24). Amounts often tied to cash-flow—about 50–150% of average monthly deposits.
Lenders quote APR or a factor rate (e.g., 1.15). Compare total dollar payback, effective APR, and fees (origination, late/NSF, ACH).
Typical minimums: 6–12 months in business, $100k–$300k+ annual revenue, and ~550–650 FICO (varies by lender/industry).
Often a UCC-1 blanket lien on business assets and a personal guaranty for unsecured structures; specifics vary by offer.
Usually application, IDs, 3–6 months of business bank statements, and a voided check. Approvals can be same-day; funding as fast as the next business day after signing.
Fixed daily or weekly ACH debits (sometimes bi-weekly or monthly). This aids planning but requires steady cash flow.
Some lenders offer prepayment discounts; others don’t—get the payoff policy in writing. Key risks: over-borrowing, cash-flow strain from frequent debits, stacking multiple loans, and restrictive covenants.
A one-time lump-sum business loan repaid on a fixed schedule over a short horizon (usually 3–24 months).
Short, high-ROI needs like inventory buys, bridging receivables/payables, seasonal stock, marketing pushes, or small equipment—when you want predictable payments.
LOC = revolving (draw/repay repeatedly).
MCA = variable % of sales on purchased receivables.
Short-term loan = lump sum with fixed payments and set end date.
Terms commonly 6–18 months (range ~3–24). Amounts often tied to cash-flow—about 50–150% of average monthly deposits.
Lenders quote APR or a factor rate (e.g., 1.15). Compare total dollar payback, effective APR, and fees (origination, late/NSF, ACH).
Typical minimums: 6–12 months in business, $100k–$300k+ annual revenue, and ~550–650 FICO (varies by lender/industry).
Often a UCC-1 blanket lien on business assets and a personal guaranty for unsecured structures; specifics vary by offer.
Usually application, IDs, 3–6 months of business bank statements, and a voided check. Approvals can be same-day; funding as fast as the next business day after signing.
Fixed daily or weekly ACH debits (sometimes bi-weekly or monthly). This aids planning but requires steady cash flow.
Some lenders offer prepayment discounts; others don’t—get the payoff policy in writing. Key risks: over-borrowing, cash-flow strain from frequent debits, stacking multiple loans, and restrictive covenants.
Frequently Asked Questions
A one-time lump-sum business loan repaid on a fixed schedule over a short horizon (usually 3–24 months).
Short, high-ROI needs like inventory buys, bridging receivables/payables, seasonal stock, marketing pushes, or small equipment—when you want predictable payments.
LOC = revolving (draw/repay repeatedly).
MCA = variable % of sales on purchased receivables.
Short-term loan = lump sum with fixed payments and set end date.
Terms commonly 6–18 months (range ~3–24). Amounts often tied to cash-flow—about 50–150% of average monthly deposits.
Lenders quote APR or a factor rate (e.g., 1.15). Compare total dollar payback, effective APR, and fees (origination, late/NSF, ACH).
Typical minimums: 6–12 months in business, $100k–$300k+ annual revenue, and ~550–650 FICO (varies by lender/industry).
Often a UCC-1 blanket lien on business assets and a personal guaranty for unsecured structures; specifics vary by offer.
Usually application, IDs, 3–6 months of business bank statements, and a voided check. Approvals can be same-day; funding as fast as the next business day after signing.
Fixed daily or weekly ACH debits (sometimes bi-weekly or monthly). This aids planning but requires steady cash flow.
Some lenders offer prepayment discounts; others don’t—get the payoff policy in writing. Key risks: over-borrowing, cash-flow strain from frequent debits, stacking multiple loans, and restrictive covenants.
Kredline delivered exactly what we needed—a short-term loan with predictable payments and a clear payoff date. We were approved quickly, funded in a couple of days, and used the lump sum to stock holiday inventory and ramp ads. The terms were transparent, the process was smooth, and our rep checked in until funds hit. We’ll be back when it’s time to scale again.
Marcus N. – Owner @ Blue Ridge Outfitters
Kredline delivered exactly what we needed—a short-term loan with predictable payments and a clear payoff date. We were approved quickly, funded in a couple of days, and used the lump sum to stock holiday inventory and ramp ads. The terms were transparent, the process was smooth, and our rep checked in until funds hit. We’ll be back when it’s time to scale again.
Marcus N. – Owner @ Blue Ridge Outfitters
Kredline delivered exactly what we needed—a short-term loan with predictable payments and a clear payoff date. We were approved quickly, funded in a couple of days, and used the lump sum to stock holiday inventory and ramp ads. The terms were transparent, the process was smooth, and our rep checked in until funds hit. We’ll be back when it’s time to scale again.
Marcus N. – Owner @ Blue Ridge Outfitters
