Fast business loans and financing*

No fuss, no muss – just small business loans in a snap.

Get fast small business loans and financing to keep things moving

Running low on cash? You’re not alone. Cash flow issues stop nearly 60% of businesses from growing.

Apply online in just a few minutes. Explore your financing options.

Approval moves fast

We review applications quickly—many get a decision in two hours or less. If approved, our team will help you pick the best-fit option and move your funding forward.

Use your funds the same day

Once you’re approved, funds are sent straight to your business account. In many cases, you can start using them in as fast as 4 hours.

What’s fast business financing?

It’s flexible funding built for speed.

You get access to working capital quickly—often as fast as a couple of hours—so you can handle time-sensitive expenses, cover payroll, or take on new work.

Speak To a Credibly Expert

Types of fast business financing

Fast merchant cash advances

Get working capital fast by trading a portion of your future revenue for cash today. Perfect for businesses with steady sales and fluctuating revenue.

Apply online in minutes
Decisions in as little as 2 hours
Capital sent directly to your business account

No limits on how you use it

Use your funds where they’ll make the most impact for your business—without hurting your day-to-day cash flow.

Pay your team, fix equipment, or cover seasonal slowdowns
Remittances are tied to your sales—not fixed amounts
Collected automatically, so you can stay focused on business

Do you qualify for a fast MCA?

Your business performance matters more than perfect credit.

Credit score of 500
At least 6 months in business
$15,000+ in average monthly revenue**

Quick access to a business line of credit

Get approved once, and pull funds anytime—your line of credit is always ready.

Access up to $300,000 in revolving credit
Use what you need, when you need it
Interest only applies to what you draw

Smart, flexible funding for growing businesses

This option works like a safety net—only you’re in control.

Draw cash on demand
Avoid paying interest on funds you haven’t used
Great for managing cash flow, bulk orders, and big projects

What you’ll need to qualify

We keep requirements simple.

A personal credit score of 675 or higher
6+ months in business
$20,000+ in average monthly revenue

Same-day equipment financing

Need gear to keep your business running? Equipment financing helps you upgrade now—not six months from now.

Use the equipment as your collateral
Lock in better terms and lower costs
No extra paperwork for security—your purchase covers it

Built to back your growth

We look beyond just credit scores. We look at your business as a whole.

Borrow what makes sense for your business
Work directly with our U.S.-based team
Get expert help so you can get the most out of your funding

Why fast equipment funding works

Whether you’re replacing a delivery van or upgrading your point-of-sale system, you don’t have time to wait.

Finance or lease anything from computers to construction gear
Take advantage of potential Section 179 tax savings

Keep your working capital intact while building for the future

Quick working capital funding

When you need extra capital to keep things running smoothly—think payroll, rent, inventory—our working capital solution delivers.

Get exactly the amount you need
Keep more breathing room with longer terms
Factor rates as low as 1.11

Simple application. Fast results.

Getting started takes just minutes.

Apply in minutes
Get a decision in as little as 2 hours
Receive funds right to your business account—fast

Funding that fits your rhythm

Running a business is hard enough. This shouldn’t be.

Remittances happen automatically (daily or weekly)
Friendly U.S.-based experts are one call away
No complicated setup—just the support you need

How to qualify for fast business funding

Your credit score

You don’t need perfect credit to move forward. A score of 500 or higher gets you in the door.

Your revenue

Consistent income matters more than big numbers. Most fast financing options require at least $15,000 in monthly deposits.

Your business history

If you’ve been operating for six months or more, you’re on the right track. Financing providers want to see stability and regular revenue flow through your business bank account.

Your paperwork

Keep it simple. You’ll just need your latest bank statements and a valid photo ID to apply.

Four simple steps to financing

Learn about your options without hurting your credit score.

Apply online

Click “Get Started” to apply for financing.

Gather required documents

We need certain documents from you as part of the approval process. You should have business bank statements and a government-issued ID to get started.

Approval in as little as 2 hours

We’ll review your application and you can get approved in as fast as 2 hours.

Receive same-day funding

If your application is approved, your requested financing may be transferred to your bank account in as soon as 4 hours

Why small business owners look to us when they need business financing fast

What you should know before choosing quick business loans or financing

Know the pros and cons of fast small business loans and financing before you start the application process.

Pros

Multiple options mean you can find the right fit—without the hassle.
Save time with a fast online application.
Perfect for urgent needs like payroll, restocking, or repairs.
On-time remittance may give your credit profile a boost.

Cons

Moving too quickly without a plan can lead to ineffective use of financing.
Speed and convenience sometimes come with higher costs.
Taking on more capital than you need can tighten your cash flow.

Key features of fast business loans and financing

Quick decisions. Faster access.

Need funding ASAP? You’re not alone.

That’s why many lenders offer same-day approvals and funding that hits your account in as little as 4 hours.

Timelines vary by lender and financing type—but the goal is always speed.

Terms that work with your timeline

Funding amounts and durations aren’t one-size-fits-all.

Some options come with set terms. Others give you more control based on how much capital you need and how long you want to use it.

Fast (and same-day) business loans and financing means you get the funding you need, when you need it.

Factor rates and fees

Rates can vary widely.

Some financing starts with factor rates as low as 1.11, while others come at a higher cost depending on your risk profile and funding type.

Watch for extra fees like processing charges or early remittance penalties.

Use capital your way

Some financing gives you total freedom—use it for payroll, marketing, inventory, or emergencies.

Other products, like equipment financing, are tied to specific purchases.

If you want flexibility, make sure you choose a product that lets you spend where it counts.

Frequently asked questions about fast business loans and financing

What’s the fastest way to secure business funding?

Your best bet is working with a financing provider that prioritizes speed.

At Credibly, you can apply online in minutes, get approved in hours, and receive funds as fast as the same day—no stacks of paperwork or long wait times.

Can I qualify with a 500 credit score?

Yes. We look beyond your score. We help you find a financing partner.

If your business brings in strong and consistent revenue and has been operating for at least 6 months, you still have a shot.

Can I get funding right after launching my business?

It’s tough, but not impossible.

Most fast business financing loans and financing require a few months of revenue history.

If you're just getting started, you may need to explore other routes like personal funding, crowdfunding, or smaller financing programs built for new businesses.

What’s the easiest quick business loan or financing to get?

Working capital loans and merchant cash advances are two of the fastest and most accessible options.

They're built for speed and flexibility—with minimal documentation and fast turnaround times. Perfect when you need cash yesterday.

Calculate your fast business loan amounts

If you’re looking to get a small business loan, check out our small business loan calculator to see what your weekly payments might be.

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