Small businesses often hit a point where they need cash fast—whether that’s for a seasonal push, an unexpected repair, or grabbing a snapshot opportunity. Waiting weeks for bank approval? That won’t cut it in today’s world. That’s where short‑term small business loans like SBAC Funding’s come in—quick capital, no hassle, legit lifeline.
SBAC Funding’s short‑term financing gives you the opportunity for quick-draw cash you need, wired in approximately 24–48 hours, so you can power through short-term goals without getting down. As the demand for flexible funding options keeps soaring, SBAC Funding stands out as the trusted partner you can count on, especially when every second matters.
Short-term business loans are built for businesses that move fast. With repayment terms from 3 to 18 months, they’re made to cover urgent cash gaps, fuel quick pivots, or catch time-sensitive opportunities, without the drag of long-term debt.
Repayment fits your rhythm—daily, weekly, or monthly—so your cash flow stays steady and your operations stay smooth. No surprise hits to your balance, no awkward juggling. Just a financial tool to help you when you need it.
What sets short-term loans apart is their streamlined access. Thanks to lower borrowing amounts and condensed timelines, the paperwork is light, the decision-making is swift, and approvals can move in lockstep with your urgency. When the clock is ticking, this is the kind of funding that moves with you, not against you.
SBAC Funding (Small Business Assets & Capital) is all about powering up small business dreams. With 20+ years in the game and $100+ million funded, we are a legit platform connecting businesses to the capital they need fast.
We bridge those financial gaps—inventory spikes, equipment failures, or small expansions.
Here’s why we stand out:
Quick access to funds
With funds arriving in 1–2 days post-approval, you can jump on missed chances before they vanish.
Cash-Flow-Matched Terms
Pick a repayment pace that moves with your cash flow—daily, weekly, or monthly—so there’s no juggling, just flow.
Credit-Building Repayment
Timely payments help build business credit. Win‑win situation.
Less collateral required
Short‑term loans are lower‑risk for lenders, so you won’t need to lock down heavy collateral.
Designed for small & growing businesses
SBAC Funding understands smaller revenue streams and shorter operational history—no big‑bank bias.
Uses and Benefits of Small Business Loans
Let’s explore some practical applications:
Inventory purchases
When seasonal stock is exploding, you can’t slow down to save money— short-term funding keeps shelves full.
Example: A fashion boutique sees holiday sales spike and needs fresh inventory fast. They take a 6-month short‑term loan from SBAC Funding, re‑stock smart, and blow past sales targets—then repay early.
Equipment upgrades or repairs
Breakdowns happen. When your coffeemaker tank or delivery van doesn’t work, you need fast capital to get it fixed—no downtime.
Example: A food truck operator whose generator fails mid-service can’t afford to wait for long-term financing. With a short-term loan from SBAC Funding, they quickly replace the unit and resume business within days, minimizing revenue loss.
Seasonal hiring
Summer interns, holiday temps—payroll peaks don’t align with revenue. Cover the wage bill without pulling from profit.
Example: Picture a neighborhood toy store gearing up for the holiday rush. With short-term funding, they bring on extra staff in November, sail through December payroll stress-free, and pay off the loan with year-end sales. No strain, no slowdown—just smart timing and smooth operations.
• Managing cash flow during slow periods
Even rockstar businesses hit lulls. Keep employee and vendor payments going with interim funds.
Example: A landscaper hires three crews in Spring, taps an SBAC Funding line of credit to pay upfront, then repays steadily as jobs close in Summer.
• Launching new products or services
Testing a new offering without long-term investment? You can fund your pilot and repay before committing long-term.
Example: A boutique skincare brand dives into a clean, organic line, fueling production and a soft-launch campaign with short-term funding. In just three months, early buzz builds into steady sales, and the loan is off the books. No long-term debt, just a smooth launch and growing momentum.
| Feature | Details |
| Loan Term | Choose 3 to 18 months—tailored for quick goals, seasonal needs, or short-term plans. |
| Funding Speed | Funds in 24–48 hours—ideal for urgent needs and uninterrupted operations. |
| Repayment | Daily, weekly, or monthly—aligned with your cash flow for smooth, stress-free payments. |
| Eligibility | Revenue, time in business, and credit profile—not just your credit score. |
| Flexibility | Use funds for nearly any business purpose—no strict limitations. |
These are standard SBAC Funding-style short‑term options—fast, flexible, and tailored to your business.
Working Capital Loans
Stay on track—handle payroll, rent, and utilities without draining your reserves or hitting pause on progress.
Business Lines of Credit
Draw what you need, when you need it. Pay interest only on what you use—ideal for covering short-term gaps or sudden swings.
Revenue-Based Financing
Repayment flexes with your earnings—daily, weekly, or monthly. When sales slow, your payments do too.
SBA Loans (Short-Term)
Access up to $500K in government-backed capital through SBA Express, with approval timelines measured in weeks, not quarters.
Equipment Financing
Need essential equipment? Buy or lease now and pay it off over time—terms usually span 2 to 7 years, based on what you’re financing.
Asset-Based Lending
Inventory, accounts receivable, equipment, or real estate, among other business assets, are secured by business collateral.
Healthcare Financing
Invest in new technology, expand your services to excel in healthcare, and advance your practice with tailored loans.
Commercial Real Estate Financing
Buy, refinance, or expand your business via traditional bank loans of several different types, some of them government-backed, to support business activities.
Get fast, flexible short-term small business loans like SBA loans, working capital, business lines of credit, and more—from SBAC Funding, approved in 24–48 hours to cover urgent needs.
Explore your short‑term loan options with SBAC Funding today— Apply now and power your growth.
FAQs: Everything You Need to Know
Q: Can you get a short-term business loan?
Yes—SBAC Funding and others offer fast, short options for qualifying businesses.
Q: Can a startup LLC get a loan?
Even newbies may qualify, depending on revenue history and credit; however, around one year in business is ideal.
Q: Best way to borrow money?
Short-term loans fix immediate needs. Long-term loans are for long-term goals.
Q: Can I use my EIN to get a loan?
Yes — an EIN is required, and helps you separate personal and business credit.
Q: Who should get a short-term loan?
Ideal for retailers, services, restaurants, e‑commerce operations—any business with cyclical or immediate capital needs. Any small business that needs money!
Q: How quickly can I get a short-term loan?
SBAC Funding can fund within 24–48 hours after approval.
Q: Can I get a short-term business loan with bad credit?
Possibly. SBAC Funding and similar lenders weigh revenue and business performance alongside credit.
Q: What is the shortest term for a loan?
Some lenders offer as little as 3-month terms, although SBAC Funding’s terms start around 6 months. Exceptions can be made depending on variables.
Q: Are there short-term loans for startups?
Yes, although they typically come with higher rates and stricter criteria. Eligibility would need to be reviewed.
Conclusion
Short-term business loans aren’t just a financial fix—they’re a momentum machine. When the busy season’s looming, equipment’s outdated, or cash flow’s running thin, SBAC Funding steps in fast. No red tape. No second-guessing. Just working capital when you need it, terms that fit your business, and a process that doesn’t slow you down. Business waits for no one. Luckily, neither do we.
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