Short Term Loans: Fast, Direct Capital When Your Business Needs It in 24 Hours

    Bridge cash flow gaps, seize opportunities, or handle emergencies with fast short-term business loans. Same-day funding available with flexible repayment. No hidden fees. No credit impact.

    No credit impactSoft pull only
    Same-day fundingFast approval
    30,000+ fundedNationwide
    Step 1 of 14

    What do you need funding for?

    $2.5B+
    In business fundingDeployed to SMBs nationwide
    4.9
    Customer ratingBased on 12,000+ reviews
    95%
    Approval rateAmong qualified applicants
    12 hrs
    Average funding timeFrom application to offer

    Why short-term loans

    Fast funding, when it matters.

    01

    Same-Day Funding Speed

    When opportunity or emergency strikes, waiting weeks isn't an option. Our streamlined process delivers funding as fast as the same business day.

    Funding in hours
    02

    No Credit Score Impact

    Our prequalification uses a soft pull only — your credit score stays exactly where it is. Check your options completely risk-free.

    Soft pull only
    03

    Flexible Repayment

    Choose from daily, weekly, or revenue-based repayment structures that adapt to your business cycle. No rigid schedules that strain your cash flow.

    Revenue-based options
    04

    Bad Credit Welcome

    Revenue and cash flow matter more than your credit score. Business owners with scores as low as 500 qualify for short-term funding options.

    Revenue over credit

    Short-term options

    Quick capital, multiple paths.

    Revenue-Based

    Merchant Cash Advance

    Get funding based on your future sales — no fixed monthly payments, no collateral required. Payments scale with your revenue.

    • $10K–$500K advances
    • Factor rates from 1.1x
    • Same-day funding available
    • Automatic repayment
    Fast Capital

    Small Business Cash Advance

    Quick capital based on your future sales with flexible, revenue-based repayment. No collateral, no fixed payment schedule.

    • $5K–$500K advances
    • Revenue-based repayment
    • Same-day funding available
    • Bad credit welcome
    Revolving Credit

    Business Line of Credit

    Maintain a safety net for your operations. Draw funds when you need them and only pay interest on what you use.

    • $10K–$250K credit limits
    • Draw as needed
    • Only pay on what you use
    • Builds business credit

    How it works

    Three simple steps to fast funding.

    Prequalify

    Fill out one simple form.

    A quick 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
    Get Matched

    See your best options.

    Your dedicated funding advisor reviews your profile and presents the best short-term offers tailored to your business needs and timeline.

    Same daydecision
    Get Funded

    Receive your funds.

    Sign your agreement and the money moves. Most short-term loans fund within 24 hours from approval to your business bank account.

    24 hrsavg. funding time
    No hard credit pull Free to apply No hidden fees

    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

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

    Apply now — it's free

    Common questions

    Everything you need to know about short term loans.

    Real results

    Trusted by thousands of business owners.

    "A major client paid late and I needed to cover payroll for 15 employees. GBB Loans got me funded in under 12 hours. My team never knew there was a problem — that's what fast funding means to a real business."

    Funded $38,000
    R
    Roberto M.Owner, Pinnacle Landscaping

    "We got a bulk inventory deal that expired in 48 hours. GBB Loans approved our short-term loan overnight and we saved 35% on materials. That single deal paid for the entire loan cost twice over."

    Funded $72,000
    K
    Karen T.Purchasing Director, Atlas Supply Co.

    "Our walk-in cooler died on a Friday night. By Monday morning, GBB Loans had deposited $25K and we were installing a replacement. Zero days of lost service. That speed is everything in the restaurant business."

    Funded $25,000
    D
    David L.Owner, Fireside Kitchen & Bar