Short-Term Business Loans
Get the capital you need quickly with a short-term loan up to $250,000. Funding in as little as 24 hours.
$5K - $250K
Loan amounts
3-18
Month terms
24-hr
Funding available
Complete the form to check your options without affecting your credit score.
What is a short-term business loan?
A short-term business loan provides a lump sum of capital that you repay over a shorter time period than traditional bank loans. These loans typically have terms ranging from 3 to 18 months, making them ideal for immediate business needs or opportunities.
With shorter repayment periods, you'll generally have higher payments than longer-term loans but will pay less in total interest over the life of the loan. This makes short-term loans perfect for quick-return investments and managing temporary cash flow gaps.
At Tariff Business Loans, our short-term loan options range from $5,000 to $250,000 with simplified applications and funding available in as little as 24 hours after approval.
Benefits of a Tariff Short-Term Loan
Fast funding
Get your funds in as little as 24 hours after approval to address urgent business needs.
Simple requirements
Less strict eligibility criteria than traditional bank loans, making approval more accessible.
Flexible use of funds
Use the money for virtually any legitimate business purpose with no restrictions.
How to apply for a short-term loan
Complete the application
Our streamlined process takes just minutes to complete.
Get approved
Receive a decision, often within hours of applying.
Receive your funds
Get your money in as little as 24 hours after approval.
When to consider a short-term loan
Short-term loans are ideal for addressing immediate business needs and opportunities that will generate returns quickly. Here are some common scenarios when a short-term loan makes sense:
Perfect for quick-return investments
- Inventory purchases for seasonal demand
- Equipment repairs or replacements
- Marketing campaigns for time-sensitive promotions
- Taking advantage of limited-time supplier discounts
Ideal for managing cash flow
- Bridging gaps between accounts receivable
- Meeting payroll during slow periods
- Covering unexpected expenses or emergencies
- Managing cash during seasonal fluctuations
Is a short-term loan right for your business?
Short-term loans are excellent options for established businesses that need quick capital for opportunities with near-term returns. However, they're not always the best choice for every situation.
Consider a short-term loan if:
- You need funds quickly (within 24-48 hours)
- Your business can handle higher periodic payments
- You're funding something that will generate returns quickly
Not sure if a short-term loan is right for you? Talk to our loan specialists about your specific needs and explore all your financing options.
Eligibility Requirements
Basic Requirements
- At least 6 months in business
- $10,000+ in monthly revenue
- 550+ personal credit score (preferred)
- Business bank account
Documentation Needed
- Business bank statements (3+ months)
- Valid business ID (EIN)
- Basic business information
- Proof of ownership
Don't meet all these requirements? We may still have options for you.
Check Your OptionsFrequently Asked Questions
How quickly can I get funding with a short-term loan?
At Tariff Business Loans, we understand that time is critical for your business needs. Our short-term loans can be funded in as little as 24 hours after approval. The exact timeline depends on how quickly you provide the required documentation and the time of day your application is approved. Most customers receive their funds within 1-2 business days from application to funding.
What are the repayment terms for short-term loans?
Our short-term business loans typically have repayment terms ranging from 3 to 18 months, depending on the loan amount and your business qualifications. Most short-term loans have daily or weekly payment schedules instead of monthly payments, which helps businesses manage cash flow more effectively. Your exact repayment terms will be clearly outlined before you accept the loan.
Are there any prepayment penalties?
No, we don't charge prepayment penalties on our short-term loans. You're free to pay off your loan early at any time, which can help you save on interest costs. We believe in giving businesses the flexibility they need to manage their finances without unnecessary fees or restrictions.
How does a short-term loan differ from a merchant cash advance?
While both provide quick funding, short-term loans offer fixed repayment terms with set payment amounts, typically daily or weekly. Merchant cash advances, in contrast, are repaid through a percentage of your daily credit card sales, making payment amounts variable based on your business's performance. Short-term loans also tend to have lower overall costs compared to merchant cash advances.
Ready to apply for a short-term loan?
Get the quick capital your business needs with a short-term loan from Tariff Business Loans. Apply in minutes.
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