Same-Day Speed
From application to funded in as little as one business day.
Lump Sum / Fast
Move now with a
Move now with a
fast, fixed lump sum.
Capital in hand fast, with clear, predictable payments over a short, defined horizon.
What It Is
Speed when it counts.
A short-term loan is a one-time lump sum you repay over a short, fixed window — typically 3 to 18 months. You know the payment, the term, and the total cost up front, with no surprises.
It’s the right tool when you need to act decisively: jumping on bulk inventory, funding a project, covering payroll, or seizing a limited-time deal that pays for itself quickly.
Best For
Is this your lane?
- Time-sensitive opportunities with a clear payback
- Bulk inventory or material purchases at a discount
- Bridging a short, defined cash-flow gap
- One-off projects, repairs, or marketing pushes
- Covering payroll during a busy ramp-up
The Process
How short-term loans works.
From application to funded in a few fast, transparent steps.
01
Apply in Minutes
A short online application plus 3–6 months of bank statements. No hard credit pull to start.
02
Fast Underwrite
We review your real revenue and return most decisions within 24 hours.
03
Sign Your Offer
Review your fixed amount, term, and payment — then e-sign in minutes.
04
Get Funded
Capital hits your account, often the same or next business day.
Rates & Terms
The spec sheet.
| Loan amount | $5,000 – $500,000 |
| Term | 3 – 18 months |
| Payments | Fixed daily, weekly, or monthly |
| Speed to fund | Same / next business day |
| Early payoff | Discounts available — save on remaining cost |
| Collateral | Typically unsecured |
Cost of capital is shown as a transparent, fixed total in your signed offer — never a moving APR surprise.
Eligibility / Requirements
Do you qualify?
Our baseline is simple. Most businesses that meet these benchmarks are a strong fit for short-term loans:
- 6+ months in business
- $15,000+ in monthly revenue
- 500+ personal credit score
- Active business bank account
- U.S.-based business
Checking your options is free and won’t affect your credit score.
Why Apex Velocity
Built for momentum.
Predictable Payments
Fixed amounts on a set schedule — easy to budget around.
Transparent Cost
See the exact total cost up front. No hidden fees, no moving target.
Early-Payoff Savings
Pay off ahead of schedule and reduce your remaining cost.
Minimal Paperwork
A short application and bank statements — that’s usually it.
No Collateral
Most short-term loans are unsecured and backed by your performance.
Questions
Short-Term Loans FAQ.
Many short-term loans fund the same or next business day once you e-sign. The bottleneck is usually how quickly you submit bank statements — most of the process is automated after that.
Almost any legitimate business purpose — inventory, payroll, equipment repairs, marketing, a new project, or bridging a temporary gap. There are no restrictions on category beyond it being a business expense.
Yes. Apex Velocity offers early-payoff discounts that reduce the remaining cost of capital, so paying ahead of schedule is rewarded rather than penalized.
Checking your options is a soft pull with no credit impact. A hard inquiry only happens if you accept and finalize an offer.
Related Funding
Other ways to fuel up.
Not quite the right fit? These products pair well with, or stand in for, short-term loans.
Line of Credit
Revolving capital on standby — draw what you need, pay only for what you use.
Learn moreMerchant Cash Advance
An advance against future sales, repaid as a small slice of daily revenue.
Learn moreLong-Term Loans
Larger amounts over longer terms for lower monthly payments and big moves.
Learn morePopular With
Need capital fast? Let’s move.
A short application today can mean funded by tomorrow. Apply in minutes.
Apply Now