How fast can I get funded with small business loans?

Most applicants receive funding within 24–48 hours of approval. In many cases, funds can be deposited into your business account as soon as the same day. Options like a merchant cash advance or working capital loan can fund even faster for urgent needs.

Will applying for a small business loan affect my credit score?

No. Our initial application uses a soft credit pull, which does not impact your credit score. A hard pull may only occur if you choose to move forward with a specific loan offer. Even businesses with bad credit can explore options without risk.

What documents do I need to apply for a business loan?

You'll typically need 3–6 months of business bank statements, a valid government-issued ID, and basic business information. No tax returns or lengthy paperwork required for most products, including SBA loans and equipment financing.

What types of businesses qualify for small business loans or bad credit funding?

We work with a wide range of industries — restaurants, retail, construction, healthcare, e-commerce, and more. Generally, you'll need at least 6 months in business and $10,000+ in monthly revenue. Businesses with bad credit may qualify for specialized funding options like a small business cash advance.

How much can I borrow with a small business loan?

Loan amounts range from $5,000 to $5 million depending on your business revenue, time in business, and the type of financing you choose. Commercial business loans and long-term loans offer the highest limits for established businesses.

Are there any upfront fees for business loans?

No. There are never any upfront fees or obligations to apply. You'll see all terms and costs clearly before you accept any offer. Whether you choose a business line of credit or working capital loan, transparency is guaranteed.

Small Business Loans: Fast, Direct, and Accessible in 24 Hours.

See direct funding options tailored to you. No hidden fees. No impact to credit score.

No credit impactSoft pull only

24-hour fundingFast approval

20,000+ fundedNationwide

Step 1 of 14

What do you need funding for?

$2.5B+

In business funding

Deployed to SMBs nationwide

4.9

Customer rating

Based on 12,000+ reviews

95%

Approval rate

Among qualified applicants

12 hrs

Average funding time

From application to offer

Financing Solutions

The right funding, for your business.

Every business is different. Three distinct funding paths — each built around your revenue model, your timeline, and your goals.

Small Business Loans

A lump sum of small business loan capital to grow your company — cover payroll, buy inventory, or seize an opportunity. Fast approval, flexible terms.

What's included

Loan amounts from $5K – $500K
Terms from 3 to 36 months
Funds deposited in as little as 24 hours
No collateral required on most loans

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Fastest Funding

Short Term Loans

When a cash gap hits or an opportunity appears overnight, small business short term loans put capital in your account the same day.

What's included

Loan amounts from $5K – $250K
Terms from 3 to 18 months
Same-day funding available
Revenue-based repayment options

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Most Flexible

Business Line of Credit

A revolving business line of credit you can draw from any time. Only pay interest on what you use — perfect for managing small business cash flow.

What's included

Credit limits from $10K – $500K
Draw funds whenever you need them
Revolving — repay and redraw instantly
Ideal for seasonal businesses

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Loan Details

Loan Amount$75K

$5K$500K

Loan Term24 months

3 mo60 mo

Credit Profile

Credit RangeGood

Est. rate:% APR

Optional

Extra Monthly Payment

$/ mo

Monthly

$3,531

per month

Interest

$9.7K

total interest paid

Total Cost

$84.7K

principal + interest

Amortization Breakdown

How your payments split over time

Principal paid

Interest paid

Ready to move forward? Based on your inputs — $75,000 over 24 months — you could be approved in minutes.

Apply now — it's free

Simple process

Funding that moves at your speed.

Three steps from start to funded. No surprises, no hidden fees.

Apply

Complete the application.

A straightforward 2-minute form — no bank visits, no hard credit pull. Just the basics about your business and how much capital you need.

2 minto complete

Review

Get a decision.

A dedicated funding advisor reviews your profile and presents the best offer tailored to your business — no comparison shopping on your end.

Same daydecision

Fund

Receive your funds.

Sign your agreement and the money moves. Our average funding time is just 12 hours from approval to account.

12 hrsavg. funding time

No hard credit pullFree to applyNo hidden fees

Start your application

Personal guidance

We're fluent in small business — and ready to take your call.

You don't need to be an expert on small business loans. Our U.S.-based small business loan advisors are here to help you every step of the way.

(888) 269-4246

Mon – Fri · 9 a.m. – 7:30 p.m. ET

Available now

Talk to an advisor

Real results

Trusted by thousands of business owners.

"I applied on a Tuesday morning and had the funds in my account by Wednesday afternoon. Absolutely seamless."

Funded $85,000

Marcus T.Restaurant owner, Atlanta GA

"After being turned down by two banks, these guys approved me in hours based on my cash flow. Game changer."

Funded $42,000

Sandra R.Boutique owner, Phoenix AZ

"The line of credit saved my inventory during peak season. No hard pull, no stress — just capital when I needed it."

Funded $120,000

James K.Construction contractor, Denver CO

4.9★average rating

$2B+funded

30,000+businesses served

Common questions

Everything you need to know about small business loans.

Quick answers to help you move forward with confidence.