IRONCLAD

Short-Term Business Loans.

A fast, fixed lump sum repaid over a short window with predictable payments — built for speed when an opportunity or gap won't wait.

Amounts $5K–$500K Term 3–18 months Funding 24–48 hours
Apply Now All Products
What It Is

Cash Now, Fixed Payback.

A short-term loan puts a lump sum in your account fast and is repaid over a short window — typically 3 to 18 months — with predictable daily, weekly, or monthly payments. There's no revolving balance to manage and no guesswork: you know the full cost and schedule from day one.

Because approvals lean on your real cash flow rather than a perfect credit file, short-term loans are one of the quickest ways to put working capital to work — most clients see funds within 24 to 48 hours of approval.

Best For

  • Bridging a big contract or PO
  • Covering an urgent repair or replacement
  • Buying inventory at a discount
  • Smoothing a slow season
The Process

How Short-Term Loans Works.

01

Apply in Minutes

One short application and a few months of bank statements is usually all we need to start.

02

Get a Fixed Offer

We underwrite on cash flow and return a clear offer — amount, term, and total cost spelled out.

03

Fund & Repay

E-sign and the lump sum hits your account, often same day. Repay on a fixed, predictable schedule.

Rates & Terms

The Numbers.

Loan amount
$5,000 – $500,000
Term length
3 – 18 months
Factor rate from
1.10x
Origination fee
0 – 3%
Funding speed
24 – 48 hours
Early payoff
Discounts available

Illustrative ranges. Actual amounts, rates, and fees are set by underwriting based on your business profile.

Eligibility

What You'll Need.

Short-term loans are revenue-driven, so steady deposits matter more than a spotless credit score.

  • 6+ months in business
  • $15,000+ in monthly revenue
  • 500+ personal credit score
  • Business bank account in good standing

Checking your options is a soft pull — it never affects your credit score. Most decisions land within hours.

Why Operators Choose It

The Benefits.

Fast Funding

Lump sums often land within 24–48 hours of approval — sometimes same day.

Fixed Schedule

Know your full payment and total cost up front, with no surprises.

Revenue-Based

Qualify on real cash flow, not just a perfect credit file.

Early Payoff Discounts

Pay off ahead of schedule and we'll discount the remaining cost.

Builds History

On-time repayment opens the door to larger, cheaper offers later.

No Collateral Required

Most short-term loans are unsecured — your business doesn't pledge assets.

Questions

Short-Term Loans FAQ.

Most short-term loans fund within 24 to 48 hours of approval, and many clients with clean documentation see same-day funding.

Short-term loans often use a simple factor rate. Multiply your amount by the factor rate to see total repayment — there's no compounding surprise, and we show the full number before you sign.

Yes. Early payoff is encouraged and comes with a discount on the remaining cost of capital — there's never a prepayment penalty.

That's fine. We weigh your revenue and bank activity heavily, so businesses with credit scores starting at 500 are regularly approved.

Compare Options

Related Funding.

Line of Credit

Keep a revolving reserve on tap and pay interest only on what you draw.

Learn more

Merchant Cash Advance

An advance against future card sales that flexes with daily revenue.

Learn more

Long-Term Loans

Larger capital over multiple years with lower monthly payments.

Learn more

Common industries that use a short-term loan: Construction, Retail, Auto Repair.

Need Cash This Week?

Apply in 5 minutes and get a fixed offer fast.

Apply Now