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Entity, amount, use of funds. Soft inquiry to start.
What it is
A short-term business loan is a lump of capital repaid over a relatively short period. Payments may be daily, weekly, or monthly depending on the source. Cost is a function of speed, risk, and how tightly the repayment sits on the deposit stream.
This is not a working-capital line. Once funded, the balance is meant to go to zero. If you need to redraw, you are usually originating again.
Who it fits
A known payroll crunch, a seasonal inventory buy, a deposit on equipment that will produce quickly, a tax or insurance date. It does not fit a structural decline in sales, and it is a hard conversation if existing daily debits already consume most of the inflow.
Process
Review
Deposits, obligations, and whether this structure is even in scope.
Get funded
Written terms before a signature, if a source can underwrite it.
When it fits
A defined gap with a clear payoff path in months — inventory turn, a project bridge, a one-time vendor invoice.
When it does not
Open-ended cash needs with no repayment story, or stacking on top of an advance that already consumes daily deposits.
Who typically qualifies
About six months operating, ~$15k+ monthly deposits, personal credit near 500+. Frames, not guarantees.
Eligibility snapshot
A starting frame — not a decision.
Time in business
Often around six months or more of operating history.
Revenue
A common conversation starts near $15,000 in monthly deposits.
Credit
Personal credit around 500 or higher is a typical starting mention.
Read this before you prefer this product
Ask for the payment frequency, the total cost if paid as agreed, what happens if a payment is missed, and whether prepayment reduces cost.