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Short Term Business Loans

Handle immediate business needs without long-term obligations.

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How Short Term Business Loans Can Work for You

When it comes to business loans, the length of your personal business loan term is almost as important as securing funds. Almost all businesses require additional capital at some point, but there’s a big difference between long-term loans and temporary financing solutions, otherwise known as short-term loans. Most short-term small business loans are repaid within a year or less, but some long-term loans can last over a decade.


Outside of purchasing long-term assets and real estate, you’ll have the flexibility to use your working capital loan for numerous purposes to keep your day-to-day operations running smoothly and help your business thrive.

What are the Benefits of Short Term Business Loans?

Speed! Short term business loans offer quick financing to support immediate business expenses. Unlike long term loans, short term loans don’t come with the risk of accumulating large debts or interest and don’t have the long-term commitment to loan payments. A short term loan can provide the right amount of money for your business while allowing you to pay off the loan quickly. When would a business need a short term loan? Short term loans can benefit you when cash flow is slow during a short time period of time or when funding is needed to help your business grow. A short term loan can help your business now to set you up for long term success. Apply online to see what short-term financial solutions can help your business thrive. Outside of purchasing long-term assets and real estate, you’ll have the flexibility to use your working capital loan for numerous purposes to keep your day-to-day operations running smoothly and help your business thrive.

Why Choose Us

The Merchant Advanced Advantage

Merchant Advanced is committed to providing scalable and sustainable financing to help small businesses succeed. We offer a simple business loan application process, tailored lending solutions, and quick access to funds. That’s the Merchant Advanced Advantage.

Trusted by Businesses Like Yours

Over $4.5 billion in funding to more than 75,000 businesses nationwide

Fast, Easy Process

Simple application process allows for a funding decision and funding in as little as 24 hours.

Personalized Service

Your Funding Specialist will help you secure a small business lending solution for your business.

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What Our Customers are Saying

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  • Rating 4.9 Star
  • 159 Review

We needed funding within days to launch a new product line. Merchant Advanced came through fast, no hassle.

— David L., E-commerce Retailer

Ways to Use Your Small Business Loan

Your small business loan from Merchant Advanced can be used how you need it. No two businesses are exactly alike, which is why our loans give you the flexibility to use the funds how YOU need to. Here are some of the ways you can use funding for your business:

Build Your Cash Flow

Have sufficient working capital to take care of the daily expenses of your business.

Expand Your Business

Open a new branch for your store or expand your warehouse facility.

Pay Bills & Consolidate Debt

Clear any outstanding payments to vendors and consolidate any existing debts.

Give A Short Term Boost To Your Business Finances

Resolve any short term monetary problems encountered by your business.

Buy or Lease Equipment

Purchase or rent tools, machines, or appliances that are essential for your business.

Market Your Business to Target Audience

Reach out to your ideal customers through brand awareness and sales funnel strategies.

How to Apply

Merchant Advanced values your time and understands you have a business to run. That’s why our application process is fast and simple. Let us summarize it for you in three easy steps:

Step 1

Fill out the simple application form.

Step 2

Discuss your business needs with our Funding Specialist to determine the right financing options for you.

Step 3

If your loan application is approved, you will receive the funds within 24 hours.1

Frequently Asked Questions

Finding the cash your business needs to pay bills or take on the competition isn’t always straightforward. Like most business owners, you probably have questions about loans and financing options. We put together some of the most common questions about working capital loans to help you get the answers you need.
How do I get a short term business loan?
Applying for a short term loan is almost always easier than getting a long-term business loan. At Merchant Advanced, we’ll help you find the right short term loans for your business with a customized loan solution. Simply fill out our easy online application to get started.
Contrary to what many business owners believe, there are short term loans available for businesses with poor credit. In fact, a short term loan could actually help you raise your credit score while avoiding excess interest payments.
Yes! In a good way. A short term loan can help improve your credit score over time. As long as you make your payments on time and pay off your loan according to schedule, you’ll likely see your credit score rise.
Short term loans typically range from 6 to 18 months. This short term and fast financing solution is a great fit for those who don’t want a long-term commitment to loan payments. This is also great for those who need financial assistance for a short period of time due to unexpected expenses or a slow season. Whatever your financial needs are, we are here to help you find the right loan for your business. Simply apply online to start the loan approval process and we’ll contact you shortly to discuss your business needs, whether that be short term, or longer.

We Offer Business Lending Solutions Spanning Multiple Industries

From equipment financing to working capital loans, we’ve helped business owners from many industries receive the business funding they need. You’ll receive expert support and answers to your business lending questions while working with a friendly Funding Specialist. Merchant Advanced is a trusted lending partner. You can rely on us to help finance your working capital and growth.

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