Short-Term Business Loans — Fast Funding When Time Matters
Need capital for a short period? Get a fast small business loan with quick approval and same-day or next-day funding. Ideal for seasonal gaps, inventory, or immediate cash flow needs.
OneDayCap is an AI-native Capital Advisory & Funding Infrastructure Platform serving U.S. small businesses.
- 100% Online
- Instant Pre-Approval Quote
- Real-Time Funding Decisions
- 50+ Active Funders
A Simple, Efficient Process
How it works
Apply Online
Complete a short application in minutes. No collateral required.
Cash-Flow Review
Your business is evaluated based on actual performance - not your personal credit score.
Capital Arranged
Receive a fast decision. In many cases, funds are delivered within one business day.
Customer Reward Program
Limited-TimeFund through OneDay Capital and receive a FREE reward based on the total funded amount.*
Takes just minutes.
Why Businesses Choose OneDay Capital
- ✓Same-day funding decisions
- ✓No collateral required
- ✓Minimal documentation
- ✓Credit score is not the deciding factor
- ✓Multiple funding options available
- ✓Funds usable for any business purpose
Why Short-Term Business Loans from OneDayCap?
Speed
Short-term business loans are built for urgency. Many offer same-day or next-day funding after approval, so you can cover payroll, inventory, or opportunities without waiting weeks.
Focused on short needs
If you need capital for a few months rather than years, a short-term loan keeps repayment tight and total cost in check. No long-term commitment when you don’t need it.
Simple process
Apply online in minutes. We match you with funders that offer fast small business loan options. Get a decision quickly and funding as soon as the same day.
Frequently Asked Questions
- What is a short-term business loan?
- A short-term business loan is funding with a repayment period typically under 12–18 months. They’re designed for immediate needs like seasonal inventory, payroll, or cash flow gaps, with quick approval and funding.
- How fast can I get a short-term loan?
- Many of our funders offer same-day or next-day funding after approval. Application is online and decisions can come within minutes. Timeline depends on the product and your documentation.
- Short-term vs. long-term loan?
- Short-term loans have smaller amounts and shorter repayment (months). Long-term loans have longer repayment (years) and are often for larger purchases like equipment or real estate. Choose based on how much you need and how quickly you can repay.
Ready for Short-Term Business Loans?
Apply in minutes. No impact to your credit to check eligibility.
Apply Now