Short-Term Business Loans up to $500,000
Need a lump sum now with a clear, predictable payback? ABC Funding delivers up to $500,000 — fast approval, fixed payment schedule, and zero surprises. Funded in as little as 24 hours so your next big move doesn't have to wait.
One lump sum. Clear payments. Zero guesswork.
A short-term business loan puts a fixed amount of capital in your account — up to $500,000 — that you repay over a defined term of 3 to 24 months. The payment amount is set from day one, so you always know exactly what's leaving your account and when. No surprises. No adjustable rates that creep up. Just clean, predictable debt service you can plan around.
This is the product for businesses that need to fund something specific — a renovation, a large inventory buy, a new hire class, a fleet expansion — where the dollar amount and timeline are defined. You take the lump sum, execute on your plan, and repay as your revenue comes in.
Contractors, retailers, restaurant owners, trucking companies, medical practices, and service businesses all use short-term loans to fund projects that are too big for operating cash but too urgent for a traditional bank's 60-day timeline.
$500K
Maximum loan amount
Fund major projects without draining your operating account.
3–24 mo
Flexible terms
Pick a repayment window that fits your business's cash cycle.
Fixed
Payment structure
Same amount every day or week. Budget with confidence.
24 hrs
Funding speed
From signed agreement to funds in your account in one business day.
From application to funded — in 4 steps
Simple, fast, and transparent from start to finish.
Apply in minutes
A short online form covering the basics — business info, revenue, and how much you need. No tax returns, no years of financials. Soft pull only, no impact to your credit.
Review your offer
Your dedicated specialist brings back your offer: exact amount, term, and your daily or weekly payment. Every number explained. No "we'll tell you later" surprises.
Sign your agreement
Accept your offer and sign electronically. The documents are clear and straightforward — no legal dictionary required. Your specialist walks you through anything you want to clarify.
Get funded
Funds land in your business bank account in as little as 24 hours after signing. Go execute the plan you've been waiting to act on.
How ABC Funding compares to a bank
The numbers tell the story. Speed and flexibility that banks simply can't match.
Rates and terms are representative ranges. Your actual offer depends on your revenue, time in business, and credit profile. No obligation to accept.
What can you fund with a short-term loan?
Short-term loans excel when you have a specific goal and a defined amount. Here are the most common use cases.
Renovation or Build-Out
Upgrade your space, open a second location, or complete a tenant improvement before the lease requires it — without touching your cash reserves.
Large Inventory Purchase
Buy in bulk before a big season, lock in pre-price-increase pricing, or fulfill a large new order you wouldn't otherwise have inventory for.
Hiring & Onboarding
Land that great candidate, bring on a second crew, or staff up ahead of a busy period — before the revenue from that growth has arrived to pay for it.
Equipment Down Payment
Cover the down payment on a larger equipment lease or purchase, or bridge the gap between what you have and what the vendor requires upfront.
Marketing Campaign Launch
Spend on paid search, social ads, or direct mail at a level that actually moves the needle — then let the leads and revenue fund the repayment.
Seasonal Demand Surge
Fully staff, stock, and prep for your peak season — not half-ready because operating cash only stretched so far. Max out when it matters most.
Simple qualifications. Real decisions.
We built our approval process around your business's actual performance — not a credit score that doesn't tell the whole story. Here's what you need:
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6+ months in business
At least six months of operating history shows us you have traction, not just a plan.
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$10,000+ average monthly revenue
Revenue is our primary signal. Higher revenue unlocks larger loan amounts and better terms.
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Active business checking account
We verify cash flow and deposit funds to your business account — a personal account isn't sufficient.
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US-based operation
We fund businesses in all 50 states. Your company must be registered and operating in the US.
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No open bankruptcies
Discharged bankruptcies may still qualify. Active, open bankruptcies are not eligible at this time.
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All credit levels considered
Our network of private lenders approves based on cash flow first. Imperfect credit is not automatically a disqualifier.
Check your eligibility in 5 minutes
Applying is completely free, uses only a soft credit pull (zero impact to your score), and gives you a real answer from a real specialist — not an automated maybe.
See my loan optionsTakes 5 minutes · Won't affect your credit score
Why business owners pick ABC Funding for short-term loans
Transparent terms, no fine print games
Your offer shows the exact amount, the exact term, and your exact payment from day one. We walk you through it. No rate surprises waiting on page 14 of a contract.
Speed when timing is everything
The right deal, the right opportunity, and the right moment rarely wait for a banker's calendar. ABC Funding moves in 24 hours so you can say yes when it counts.
Private lenders who want to say yes
Our funding network isn't a bank looking for reasons to decline. They're private lenders who look at your real cash flow and are motivated to get you to yes — even when traditional lenders wouldn't.
Short-Term Business Loan FAQs
What is a short-term business loan?
A short-term business loan is a lump-sum funding product with a repayment period of 3 to 24 months. You receive the entire amount upfront, then pay it back with fixed daily or weekly payments over the agreed term. It's designed for businesses that need a specific amount of capital for a defined project or goal — not ongoing, open-ended cash needs.
How is a short-term loan different from a line of credit?
A short-term loan gives you a fixed lump sum upfront that you repay on a set schedule. A business line of credit is revolving — you draw what you need, repay it, and can draw again up to your limit. Short-term loans are best when you know the exact amount you need; a line of credit is better for ongoing or unpredictable cash needs.
How fast will I get the money after approval?
After you accept your offer and sign your agreement, funds are typically deposited in your business bank account within 24 hours. The entire process — from application to funded — can be completed in a single business day for most applicants.
Are the payments fixed or variable?
Fixed. Short-term business loans from ABC Funding have the same payment amount — daily or weekly — for the life of the loan. You know exactly what to expect from day one, which makes cash flow planning straightforward and reliable.
Can I pay off my short-term loan early?
Early payoff terms vary by funding partner. Many of our partners offer early payoff options, sometimes with a discount on the remaining balance. Your specialist will walk you through the exact terms of your specific offer before you sign anything — so you know your options upfront.
One application. Your money in 24 hours.
See what short-term loan amount you qualify for — free, in about 60 seconds, with no impact to your credit score.
No obligation · No cost · Won't affect your credit score
Estimate your funding in seconds
Slide to your amount, choose a term, and get an instant estimate. No signup and no credit check required.