Fast business loans for the move you can't afford to wait on.
Short-term business loans from $20K to $1M. Funded in as little as 24 hours with no collateral, no equity, and no long waits. Low credit scores considered. Serving the US and Canada.
Rated 4.5 / 5 on Trustpilot
Short-term business loans built for speed and flexibility
Whether you need a business bridge loan to cover a cash gap, fast capital for a time-sensitive deal, or a lump sum to solve an urgent problem - this product is built for it. Funded in as little as 24 hours.
When fast business loans and bridge capital make sense
Short-term business loans and bridge loans are built for specific moments. If you recognize your situation below, you are likely a strong candidate.
Bridge a cash flow gap
Revenue is coming - invoices are outstanding, a big contract just closed. A business bridge loan keeps payroll and operations moving while you wait to collect.
Stock up before peak season
Your best quarter is 6 weeks out. A retailer in Atlanta used $80,000 to load inventory before the holidays and paid off the short loan for their business by February.
Cover an unexpected expense
Equipment breaks. A lease doubles. A key hire needs to start Monday. Short-term business loans give you the cash to handle it without a 6-week bank timeline.
Grab a time-sensitive deal
A competitor is selling, a supplier is clearing inventory at cost, or a prime location just opened. Fast business loans let you move in days - not weeks.
Scale a working ad channel
You have a marketing channel that converts and you need to pour more fuel on it. Get funded fast, scale the spend, let the revenue pay it back over 6 to 24 months.
Low credit - real business
Banks decline you because your personal score is not perfect. We fund based on monthly revenue and cash flow. Low credit business loans, approved on actual performance.
From application to funded in 3 steps
We built this process around one goal - getting you an answer fast, without digging up a pile of documents or waiting weeks for a decision.
Tell us what you need
Fill out the short form above. Takes under 60 seconds. We ask about your monthly revenue, time in business, and how much capital you need. Nothing else at this stage.
Review your real options
A dedicated advisor contacts you with your pre-approved short-term loan terms - the exact amount, factor rate, and payment schedule. No surprises, no bait-and-switch.
Get your funds
Once you accept your terms, we wire the money directly to your business bank account. Most clients are funded within 24 hours. Some the same day they apply.
What you need to qualify
We fund based on your business's actual performance - not a perfect credit score. Most US and Canadian businesses with consistent monthly revenue qualify, including those with low credit.
- At least 6 months in business
- $20,000+ average monthly revenue
- Active US or Canadian business bank account
- 4 to 6 months of recent bank statements
- Minimum 500 credit score (soft pull only)
- Business based in the US or Canada
- ✕Collateral or pledged assets
- ✕Perfect credit score
- ✕Equity or ownership stake
- ✕2+ years of tax returns
- ✕Business plan or projections
- ✕Hard credit pull to check options
Short-term loans we funded recently
Real businesses, real numbers. Every deal below went through our short-term business loan program - approved and funded within 48 hours.
Common questions about short-term business loans
Straight answers to what business owners ask us every day. Call (844) 902-3080 if yours is not here.
What business owners say about us
I needed $60,000 fast to cover payroll during a slow month. Applied Monday, had the money Thursday. My advisor walked me through everything. No runaround, no surprises.
I've dealt with banks for 15 years. This was the easiest funding process I've ever been through. Got $95,000 in 24 hours. The weekly payments fit my cash flow perfectly.
My HVAC equipment died right in peak season. Called Lend On Capital, had $40,000 approved same day and wired by next morning. Saved my entire busy season.
Funding businesses from coast to coast
Whether you are in Miami or Vancouver, Dallas or Toronto - we fund businesses in every US state and all 10 Canadian provinces. No branch visits. No in-person meetings. Everything is handled remotely, and funds land in your account in as little as 24 hours.
See what your business qualifies for
Takes under 60 seconds. No credit impact. A real advisor reviews your file and contacts you with options the same business day.
🇺🇸 United States · 🇨🇦 Canada · Mon - Fri 9am - 6pm EST · (844) 902-3080