Fast Working Capital for Small Businesses
✅ Funding from $5,000 – $1,000,000
✅ Approvals in as little as 24 hours
✅ Terms from 3–24 months
✅ Only 3 months in business required
What Is Short-Term Financing?
Short-term financing is a fast, flexible alternative to traditional bank loans. Instead of lengthy applications and strict collateral requirements, approval is based on your monthly sales volume.
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No collateral required
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Streamlined approval process
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Automatic repayments from your business bank account
It’s the perfect solution for entrepreneurs who need to cover immediate expenses, manage seasonal fluctuations, or seize new opportunities.
It’s easy for business owners, particularly new business owners, to feel that if they aren’t able to secure cash and capital through a traditional loan with a local bank or credit union, they are out of luck and facing a serious financial crisis.
In reality, however, nothing could be further from the truth.
Today, there are more short-term business loan opportunities available for entrepreneurs than ever before. Some of them are more traditional options with a shorter-term length, while others are more nontraditional and quite innovative, but all of them provide you with access to the capital you need to build and grow the business of your dreams.
Here are some of the most common short-term business loans that you might be more interested in learning about.
Short-Term Financing Packages
Some of the most popular loan solutions for savvy entrepreneurs, particularly those with at least average credit and short-term financial needs that must be met immediately, these lending packages are designed to last a term between 3 and 18 months (maximum).
Short-Term Business Loan Packages (3–18 Months)
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Designed for quick funding needs
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Simple application & fast approval (funding in as little as 24 hours)
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Best for inventory purchases, marketing campaigns, or covering cash flow gaps
SBA Lending Opportunities
The US government provides some pretty friendly financing packages for entrepreneurs as well, many of them available through the Small Business Administration, certainly an avenue of approach you want to take when you’re looking for short-term lending opportunities.
Because the US government partially guarantees these loans, they eliminate a significant amount of risk that lenders would have taken on otherwise, making it easier for new business owners, as well as those who haven’t had a lot of success in the past get their hands on financing that might not have been available otherwise.
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Offered through the U.S. Small Business Administration
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Lower rates compared to private loans
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Popular options: SBA 7(a), SBA 504/CDC, SBA Microloans
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Typically requires strong credit & more documentation
Outside of traditional bank loans, these are probably the most affordable source of capital available, making them very attractive for small business owners “bootstrapping” their businesses from the ground up.
Business Lines of Credit
If your credit is personally outstanding (or if your business credit is equally exceptional), you may be able to take advantage of business lines of credit that will be extended to those with less than perfect credit, as well as those who are launching a brand-new enterprise.
An entrepreneur may be extended a line of credit of $100,000, for example, but they don’t necessarily have to use that $100,000 all at once. One month, they might use $35,000, another $15,000, and another, they might not use any of that line of credit at all.
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Revolving credit, you can draw from as needed
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Provides flexibility for recurring expenses and emergencies
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Harder to qualify for but ideal for established businesses with strong credit
These lines of credit are very, very difficult to be approved for, though. You’ll want to do your research and move deliberately through the application process to increase your odds of success as much as possible.
Invoice Financing
This form of short-term financing essentially puts up your outstanding invoices as security to gain a cash advance from a lending service. The unpaid invoices themselves operate as collateral towards this cash advance, allowing you to receive upwards of 85% of the total invoice amount you are using as security in the form of a cash advance loan.
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Turn unpaid invoices into fast working capital
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Get up to 85% of invoice value in advance
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Great for businesses with unpredictable cash flow
⭐ Why Choose Lending Valley for Short-Term Financing?
When you work with Lending Valley, you’re not just applying for a loan—you’re gaining a financial partner.
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✅ Funding up to $1M with flexible terms
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✅ Fast approvals (often same-day)
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✅ Low documentation requirements
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✅ Options for businesses with a 500+ credit score
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✅ Dedicated support team to guide you step-by-step
As you can see, there are numerous opportunities available for short-term business loans, and none of them are created equally.
In today’s ultra-competitive business environment, you need to make sure that your operation is well-financed, but you also need to make sure that you’re leveraging capital to expand, to grow, and to secure your business’s future.
Here at Lending Valley, we work hand-in-hand with our clients to find the perfect short-term lending solutions. We work step-by-step to not only move through the selection process but help our clients choose the right loans.
Requirements to Qualify
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500+ personal credit score
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At least 3 months in business
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Minimum $5,000/month in gross revenue
Q. How can I get short-term financing?
A. Most industries can qualify for short-term financing, and even businesses that have been open for as few as three months can apply. You can request from $5,000 to $1,000,000; lenders will base their decision on your monthly sales volume.
You’ll need to provide some documentation, but far less than for longer-term loans: Expect to be asked for bank statements and a landlord reference. Some lenders will require that your business is majority-owned by a U.S. citizen or legal permanent resident.
Q. How Can You Use Short-Term Financing?
A. Your loan can be used for almost any business purpose, including:
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Purchasing new inventory
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Covering payroll and operating expenses
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Investing in marketing campaigns
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Handling emergency repairs
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Seizing time-sensitive opportunities
Q: How fast can I get funded?
A: Many businesses receive approval within 24 hours and funding shortly after.
Q: What are the repayment terms?
A: Terms range from 3 to 24 months, with repayments automatically deducted from your business bank account.
Q: What documents are required?
A: Typically just recent bank statements, basic business info, and sometimes a landlord reference.
Q: Can I qualify with less-than-perfect credit?
A: Yes. As long as your sales volume is strong, you may qualify even with a credit score around 500.
Q: Is short-term financing a loan?
A: Yes, but it’s different from traditional bank loans, it’s based on revenue, not just credit score, and is designed for speed and flexibility.
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