Short Term Business Loans: Instant Capital to Bridge the Gap
What is a Short Term Business Loan?
In business, timing is everything. A Short Term Business Loan is a financing solution designed to meet immediate financial needs, typically repaid over a period of 3 to 12 months. Unlike traditional “term loans” that lock you into debt for years, short term business lending provides a quick injection of capital that you pay off rapidly.
Think of it as a financial sprint rather than a marathon. It is the perfect tool for managing cash flow fluctuations, capitalizing on sudden opportunities, or handling unexpected emergencies. Whether you are a small cafe needing a quick $10k for a new coffee machine or a large enterprise seeking short term corporate loans for a quarterly tax bill, these facilities are built for speed and flexibility.
Key Benefits: Why Choose Short Term Finance?
Smart operators use short-term loans as a tactical lever to keep their business moving without long-term commitment.
Speed of Funding: This is the primary driver. We work with short term business loan lenders who can assess, approve, and fund your application within 24 hours.
Lower Total Interest Cost: While the annualized rate might look higher, because you are paying the loan back over just 6 months instead of 5 years, the total dollar amount of interest you pay is often significantly lower.
High Approval Rates: Lenders are often more willing to approve short-term facilities because their risk exposure time is shorter.
Cash Flow Friendly: Daily or weekly repayments are often used to match your cash flow cycle, ensuring you don’t get hit with a massive monthly bill.
Who Needs Short Term Lending and Why?
This product is specifically designed for businesses facing temporary hurdles or opportunities.
The Retailer (Stock Up): You have a busy season approaching (like Christmas). You need capital now to buy bulk stock, which you will sell for a profit in 2 months. A short-term loan covers the purchase, and you pay it off with the sales revenue.
The Tradie (Project Start): You’ve won a contract but need to buy materials upfront. A term a loan structure for 3 months covers the materials until the first progress payment clears.
The Business in Crisis: Equipment breakdown? Unexpected tax bill? A short-term loan acts as an emergency bridge to keep operations running.
The Opportunist: A competitor is selling assets at a huge discount for a “quick sale.” You can grab the bargain immediately using short-term funds.
The Process: From Application to Bank Account
We have streamlined the short term business lending process to be entirely digital and paperless.
Apply Online (5 Mins): Provide basic details about your turnover and the amount required.
Link Bank Statements: securely connect your business bank account so lenders can view your recent cash flow.
Instant Assessment: Our panel of short term business loan lenders reviews your application. For loans under $100k, this is often automated.
Offer & Acceptance: You receive a conditional offer outlining the “factor rate” (total cost) and repayment schedule.
Funding: Funds are transferred via Osko/NPP, often landing in your account the same day.
Short Term Corporate Loans vs. SME Loans
While most short-term lending is for SMEs, we also cater to larger entities. Short term corporate loans are structured differently, often involving larger sums ($500k+) and sometimes secured against specific invoices or assets. These are often referred to as “bridge facilities” and are used to smooth out quarterly reporting or fund acquisitions.
Eligibility & Application: Do You Qualify?
Because the term is short, lenders focus heavily on your current revenue rather than past years’ tax returns.
Turnover: Minimum $5,000 monthly sales.
Trading History: Active ABN for at least 6 months.
Cash Flow: Consistent deposits into a business bank account (lenders look for “dishonours” or negative balances).
Credit: Bad credit is often accepted if the cash flow is strong.
Bridge Your Cash Flow Gap Today
Don’t let a temporary cash crunch derail your long-term success. Whether it’s an opportunity or an emergency, speed is your best asset. Check your eligibility for a short term business loan today and get the capital you need to keep moving forward.
Top 5 Relevant FAQs Short term business loan
How long is the repayment term for a short-term loan?
As the name suggests, terms are brief. They typically range from 3 months to 12 months. Some lenders offer extremely short terms (e.g., 6 weeks) for specific invoice funding, while others might stretch to 18 months for larger short term corporate loans. The goal is to clear the debt quickly so it doesn't become a long-term burden.
Are the interest rates higher than standard loans?
Short-term loans often use a "Factor Rate" rather than an APR interest rate. For example, a factor rate of 1.15 on a $10,000 loan means you pay back $11,500. While the annualized percentage rate (APR) can appear higher than a 30-year mortgage, the total cost of capital is often lower because you are holding the money for a much shorter time.
How quickly can I get approved?
Speed is the defining feature of short term business lending. Because we use fintech lenders who utilize AI to scan bank statements, approvals can happen in as little as 2 hours. If you have your ID and bank details ready, it is very common to have money in the bank on the same day you apply.
Can I get a short-term loan with bad credit?
Yes. Short-term lenders are primarily concerned with your business's current cash flow and ability to make the daily or weekly repayments. If your recent trading history is strong, they will often overlook a past default or low credit score.
What is the difference between a "Term A Loan" and a Short Term Loan?
A "Term A Loan" (TLA) is typically a specific type of corporate debt tranche found in larger, syndicated loan deals, usually amortized over 5-7 years. A Short Term Business Loan is a simpler, faster product for SMEs, usually repaid in under 12 months. Unless you are a large corporation structuring a complex debt package, you are likely looking for the latter.
