Can you get a business loan immediately?

Same-day funding is possible with some online lenders, but not guaranteed. Merchant cash advances and certain term loans can fund within hours of approval. Most fast business loans still take one to two business days from application to funding.

Can I get an SBA loan with a 500 credit score?

Unlikely. Most SBA lenders require a minimum personal credit score of 640 to 680. A 500 score will disqualify you from most SBA programs. Merchant cash advances or revenue-based financing, which weigh cash flow more heavily than credit, may be your best options.

What credit score is needed for a $30,000 business loan?

It depends on the lender. Alternative online lenders may approve $30,000 with a score as low as 550 to 600, though rates will be higher. Banks and SBA lenders typically require 640–700+. A score of 700 or above opens the most options at the best rates.

Can I get a loan with just my EIN number?

No. Lenders generally require a personal guarantee and will check your personal credit score in addition to your EIN. Offers advertising "EIN-only" loans with no personal credit check may be predatory or fraudulent, so you'll want to do your due diligence.

Best Fast Business Loans of 2026

Finder makes money from featured partners, but editorial opinions are our own. Advertiser disclosure

Fast business loans can fund in as little as the same day you apply, with most online lenders completing the process in one to three business days.
Online lenders tend to have relaxed requirements compared to banks, making them the best starting point for quick funding.
Loan types range from merchant cash advances and invoice financing (same-day) to SBA loans (30 to 90 days) — pick based on how fast you need the money.

This summary was generated by AI and may contain errors or omissions.

A fast business loan is a small business loan that a lender can fund quickly, within a few business days or less. And more small business owners are turning to online lenders to get it done faster: the share of small business applicants seeking financing with online lenders has grown from 17% in 2020 to 29% in 2025, according to the Federal Reserve’s 2026 Report on Employer Firms. Fast business loans come in many forms, including short- and long-term business loans, lines of credit, equipment financing, merchant cash advances and invoice financing.

As long as you can show sufficient revenue, time in business and meet the lender’s minimum credit requirements, you may qualify for a quick business loan. Online lenders tend to have relaxed requirements and are usually the best place to go for fast funding.

10 best fast small business loans

Best for online business loans: Fundera business loans
Best fast business loan marketplace: Lendio business loans
Best for fast invoice factoring: FundThrough Invoice Factoring and Financing
Best for fast lines of credit: OnDeck business lines of credit
Best for fast SBA loans: SmartBiz business loans
Best for fast merchant cash advances: Credibly business financing
Best for fast equipment financing: National Funding business loans
Best for fast startup loans: Finance Factory business loans
Best for fast lines of credit with low requirements: Bluevine business lines of credit
Best for bad credit fast loans: Fora Financial business loans

Why trust Finder?

35+ business loan lenders reviewed and rated by our team of experts
12+ types of business loans analyzed
Evaluated under our unbiased rating system covering 10+ categories
20+ years of combined experience covering financial topics

We're big on editorial independence. That means our content, reviews and ratings are fair, accurate and trustworthy. We don't let advertisers or partners sway our opinions. Our financial experts put in the hard work, spending hours researching and analyzing hundreds of products based on data-driven methodologies to find the best accounts and providers for you. Explore our editorial guidelines to see how we work.

Finder Score	Loan amount	Loan term	APR
Best for online business loans
Finder score 9.5 Excellent Fundera business loans	Finder score 9.5 Excellent	$2,500 – $5,000,000	3 months to 25 years	Varies by lender	Go to site View details Compare product selectionCompare	loading	Why we like it Fundera by NerdWallet is a business loan marketplace that connects small business owners with multiple lenders through a single application. The platform offers access to term loans, SBA loans, lines of credit, equipment financing, invoice factoring and merchant cash advances. A quick online application uses only a soft credit check that won't impact your score. Fundera has helped more than 77,000 small businesses secure over $5.4 billion in funding, issuing 114,000+ loans to date. Dedicated loan specialists provide personalized guidance, and funding can be as fast as one business day. The service is completely free to borrowers. Pros Free service with no borrower fees Single application connects you with multiple lenders Soft credit check Funding possible in as little as one business day Cons Rates and fees not disclosed upfront, set by lending partners Not a direct lender
Best fast business loan marketplace
Finder score 9.6 Excellent Lendio business loans	Finder score 9.6 Excellent	$1,000 – $10,000,000	3 months to 25 years	Varies by lender	Go to site View details Compare product selectionCompare	loading	Why we like it The Lendio marketplace partners with 75+ lenders to help you find a loan quickly. Partners offer a wide range of fast financing options including term loans, business lines of credit, SBA loans, equipment financing, accounts receivable financing and revenue-based financing. Lendio's own site shows business lines of credit from $1,000 to $3,000,000 with 6 to 24 month terms, with funding as soon as 1 to 2 days. The application takes about 15 minutes and uses only a soft credit pull. But, be prepared to receive marketing calls and emails after applying. Pros Network of 75+ lenders Wide range of financing types including SBA loans 520,000+ loans funded Cons Not a direct lender, rates and terms set by partners Funding fees may apply depending on your chosen lender Some users report heavy marketing contact after applying
Best for fast invoice factoring
Finder score 9 Excellent FundThrough Invoice Factoring and Financing	Finder score 9 Excellent	$500 – $10,000,000	1 to 3 months	1.9%–2.9% per 30 days (invoices up to $999,999); custom pricing for $1M+	Go to site View details Compare product selectionCompare	loading	Why we like it FundThrough offers AI-powered invoice factoring through an automated platform that connects directly to QuickBooks, Xero, or OpenInvoice to sync invoices automatically. Once your account is set up, you can receive funds as soon as the same business day. Unlike most competitors, FundThrough advances the full invoice value minus one flat fee, with transparent pricing shown before you commit, no hidden charges and no long-term contracts required after your first funding. Approval is based on your customers' creditworthiness, not your own credit score. Pros Same-day funding available after first invoice is funded Up to 100% advance rate on eligible invoices Transparent flat-fee pricing shown before you commit No minimum funding volume required after first invoice Cons Fees are higher on invoices with longer net terms (60–90 days) First invoice minimum and other eligibility details not listed on their site
Best for fast lines of credit
Finder score 9.4 Excellent OnDeck business lines of credit	Finder score 9.4 Excellent	$6,000 – $200,000	12, 18, or 24 months	52.6% average APR	View details Compare product selectionCompare	loading	Why we like it OnDeck offers a revolving line of credit up to $200,000 and term loans up to $400,000, with same-day funding available on term loans. The line of credit includes Instant Funding, once approved, you can draw funds to your account in seconds, 24/7, including nights and weekends. To qualify, you need at least one year in business, $100,000 in annual revenue and a minimum 625 personal FICO score. There are no draw fees on the line of credit, no hard credit pull during the application, and on-time payments are reported to business credit bureaus. Pros Same-day funding available on term loans Instant Funding on line of credit draws No draw fees on the line of credit No hard credit pull during application Cons APR not disclosed on website Daily or weekly repayments required on term loans Not available in North Dakota; some industries restricted
Best for fast SBA loans
Finder score 9 Excellent SmartBiz business loans	Finder score 9 Excellent	$50,000 – $350,000	Up to 10 years	Prime Rate, plus 3% to 5.75%	View details Compare product selectionCompare	loading	Why we like it SBA loans offer competitive rates and flexible terms, but typically take two to three months to process through traditional channels. SmartBiz Bank streamlines the process by matching you with its network of SBA-preferred bank lenders through a single application, with prequalification in minutes and funding possible in as little as 30 days. Rates are variable, based on the current Prime Rate plus 3% to 5.75% depending on loan size. Fees from SmartBiz Bank for SBA loans under $350,000 include a one-time packaging fee of $2,500 plus approximately $600 in closing costs. There are no prepayment penalties on working capital loans. Pros Streamlined SBA loan application — one form, multiple lenders Online prequalification with soft credit pull only No prepayment penalties on working capital SBA loans Funding possible in as little as 30 days vs. the typical 2 to 3 months Cons Packaging fee of $2,500 plus ~$600 in closing costs Minimum loan amount is $50,000 Still takes longer than non-SBA online lenders
Best for fast merchant cash advances
Finder score 7.6 Great Credibly business financing	Finder score 7.6 Great	$5,000 – $600,000	Not listed	Not listed (factor rates as low as 1.11)	View details Compare product selectionCompare	loading	Why we like it Credibly is a direct lender for working capital loans and merchant cash advances (MCAs), and connects borrowers with partners for SBA loans, business lines of credit and equipment financing. MCAs are available up to $600,000 with factor rates as low as 1.11, and approval takes as little as four hours with same-day funding available. To qualify for an MCA, you need a minimum 550 credit score and average monthly bank deposits of at least $15,000. Early remittance discounts are available for borrowers who fully pay off their obligation ahead of schedule with a clean remittance history. Pros Same-day funding available if approved Minimum 550 credit score Approval in as little as 4 hours Early remittance discount available Cons Remittance percentage not disclosed upfront Factor rate structure makes cost comparison harder than APR-based loans MCAs are not loans — they are purchases of future receivables, and lending laws may not apply
Best for fast equipment financing
Finder score 9.6 Excellent National Funding business loans	Finder score 9.6 Excellent	$5,000 – $500,000	4 to 24 months (working capital); 2 to 5 years (equipment)	Not listed	View details Compare product selectionCompare	loading	Why we like it National Funding is a direct lender that has been in business since 1999, offering short-term working capital loans and equipment financing and leasing for new and pre-owned equipment. It funds up to 100% of equipment costs with no down payment required and advertises funding in as little as 24 hours upon approval. Plus, if you find a lower monthly lease payment on comparable equipment financing elsewhere within seven days of receiving its terms, it will work to beat it or pay you $1,000. Early payoff discounts are also available on working capital loans. Pros Funding in as little as 24 hours No down payment required on equipment financing Lowest payment guarantee on equipment leases Early payoff discount available Cons Equipment financing capped at $150,000 Rates and fees not listed on website Working capital loans have short terms (max 24 months) with daily or weekly ACH payments
Best for fast startup loans
Finder score 8.2 Great Finance Factory business loans	Finder score 8.2 Great	$35,000 – $500,000	Up to 30 years	0% (for up to 21 months) to 15%	View details Compare product selectionCompare	loading	Why we like it Finance Factory is a lending marketplace that helps entrepreneurs quickly search for a range of financing options, including working capital loans, SBA loans, home equity lines of credit and equipment financing — all up to $500,000. Funding takes 7 to 10 business days on average. Finance Factory evaluates applicants based on credit, cash flow and collateral — and states you only need to meet one of the three to potentially qualify. An ideal credit score is 680+, and a minimum monthly account balance of $1,000 to $5,000 is optimal. Free pre-qualification is available with no credit impact. Pros Loan amounts and rates clearly listed on their own website 0% introductory rate available for up to 21 months on some products Free pre-qualification with no credit impact Cons Not a direct lender Funding takes 7 to10 business days on average, slower than direct lenders Businesses younger than two years may have a harder time qualifying
Best for fast lines of credit with low requirements
Finder score 8.6 Great Bluevine business lines of credit	Finder score 8.6 Great	$5,000 – $250,000	6 or 12 months	Starting at 7.8%	View details Compare product selectionCompare	loading	Why we like it Bluevine offers a revolving line of credit up to $250,000 for eligible small businesses, with a fast online application that won't impact your credit score. To qualify, your business must be a corporation or LLC in operation for 12+ months, with no open bankruptcies, $10,000+ in monthly revenue ($120,000 annually) and a 625+ personal FICO score. Once approved, funds can arrive in as quickly as a few hours via bank wire ($15 fee) or the next business day via free ACH transfer. Bluevine checking account holders can access instant funding, drawing from the line of credit in seconds. There are no draw fees or account maintenance fees on the line of credit. Pros No draw fees or account maintenance fees Instant Funding in seconds for Bluevine checking account holders No credit score impact during application Corporation or LLC with 12+ months in business and 625+ FICO can apply Cons Requires 12+ months in business and corporation or LLC status $120,000 minimum annual revenue required Not available in North Dakota, South Dakota, or Nevada
Best for bad credit fast loans
Finder score 8.8 Great Fora Financial business loans	Finder score 8.8 Great	$5,000 – $1,500,000	4 to 18 months	Undisclosed	View details Compare product selectionCompare	loading	Why we like it Fora Financial is a direct lender specializing in short-term business loans and revenue advances for businesses that may not qualify for traditional financing. Fora Financial offers multiple products including small business loans, revenue advances, lines of credit and SBA loans (the latter through third-party partners). The application is completed online and approvals can be fast. But, you’ll have to contact Fora Financial directly for current loan amounts, terms, rates and qualification requirements, as these are not listed publicly on their website. Pros Direct lender — not a marketplace $5 billion+ in capital provided to small businesses since 2008 Multiple product types available including revenue advances and SBA loans (via partners) Early repayment discounts available on eligible products Cons Loan amounts, terms, rates and requirements not listed on their website Short-term products use factor rate structure, making cost comparison harder Origination fee applies on some products

Methodology: How we choose the best fast business loans

Our lending experts analyze dozens of business loan providers to narrow down the best and fastest options for business owners and startups. We search for lenders that suit a range of needs, including ones that offer fast approval and funding times and competitive interest rates.

We weigh lenders against 12 key metrics:

Rates
Fees
Application process
Lender reputation
Eligibility requirements
Credit score minimums
Products offered
Willingness to work with risky industries
Minimum and maximum loan amounts
Customer service reviews
Funding turnaround times
Extra features

What is a fast business loan?

A fast business loan is a loan or financing with a quick turnaround of three business days or less. There isn’t a single type of fast business loan — many types of financing can qualify, including term loans, equipment financing, lines of credit, merchant cash advances, and invoice financing. The fastest business lenders offer same-day loans that can be funded within the day that you apply if you qualify.

Types of fast business loans and turnaround time

Fast doesn’t mean instant — these loans still take time to process. While some can fund same-day after approval, others may take a few business days.

Loan type	Description	Average turnaround time
Business term loan	A lump sum loan with repayment terms of 2 to 10 years	1 to 5 days
Short-term business loan	A lump sum loan with repayment terms of 3 to 24 months	1 to 5 days
Line of credit	Works like a revolving credit card for your business	1 to 2 days
Equipment financing	A loan to buy or lease business equipment	1 to 21 days
Business credit card	A revolving line of credit	Instant if approved
Merchant cash advance	An advance on future credit card or debit card sales	As fast as same day
Invoice financing/factoring	A cash advance against unpaid invoices	As fast as same day
Startup loan/financing	Financing options for new businesses	7 to 28 days
SBA Express loan	A government-backed loan up to $5,000,000	30 to 90 days

How much can I borrow with a fast business loan?

Fast business loans can range anywhere between $2,000 and $5 million, though many lenders cap loans at $500,000. The amount your business qualifies for depends on several factors:

Current cash flow and monthly revenue
Time in business
Personal and business credit scores
Loan type and whether collateral is required

Merchant cash advances and invoice factoring are often backed by future sales or existing receivables. Term loans and lines of credit depend more heavily on creditworthiness and revenue history.

How to get a fast business loan

Determine the type of loan you need. Merchant cash advance, invoice factoring, short-term loan, business term loan, line of credit, equipment loan, or SBA loan — each suits different needs and speeds.
Prequalify online. Most lenders offer free prequalification with a soft credit check so you can compare offers before committing.
Apply and gather documents. Have these ready to speed up processing:
- Three months of business bank statements
- Business tax ID / EIN
- Driver’s license
- Profit and loss statements
- Business bank account information
- Contact details for each business owner

How much do fast business loans cost?

Rates on fast business loans range widely — from around 1.9% per 30 days for invoice factoring to 60%+ APR for some lines of credit and merchant cash advances. Factors affecting cost include:

Loan type and lender
Your credit score and revenue
Time in business
Whether collateral is required
Origination fees and other upfront charges

The best way to determine total cost is to prequalify with multiple lenders or use a marketplace like Lendio to compare offers side by side.

When a fast business loan makes sense

A fast business loan makes sense when you need quick cash in a business emergency, to cover unexpected expenses, keep operations running during a seasonal slump, replace critical equipment or take advantage of a time-sensitive opportunity. Online lenders offer streamlined applications that are often faster and more accessible than going to a local bank.

A fast loan may not be the right fit if:

You have time to wait — an SBA loan could save you significantly on interest
Your business doesn’t yet meet minimum revenue or time-in-business requirements
You need a very large loan amount (over $5 million)

Compare fast business loans

See lenders side by side and find the right fit for your timeline and credit profile.

Compare loans

Fast business loan alternatives

If you own a newer business or don’t meet the requirements for standard fast loans, consider these alternatives:

Personal loans. Amounts between $1,000 and $100,000 with rates between 6% and 36%. The best personal loans for business use require good credit and some personal loan lenders may restrict use for business expenses.
Business credit cards. Often easier to get approved for than a loan, and many offer 0% APR promotional periods — useful for short-term purchases.
Crowdfunding. Platforms like Kickstarter or Indiegogo allow you to raise money from customers and supporters without taking on debt.
Small business grants. Available through Small Business Development Centers (SBDCs) and at USA.gov — free money that doesn’t require repayment.

Frequently asked questions

Sources

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To make sure you get accurate and helpful information, this guide has been edited by Richard Laycock as part of our fact-checking process.

Written by

Kat Aoki

Writer

Kat Aoki was a personal finance writer at Finder, specializing in consumer and business lending. She’s written thousands of articles to help consumers make better decisions on their home loans, bank accounts, credit cards, cryptocurrency and more. Kat is well versed in working with leading brands in the real estate, mortgage and personal finance industries, and her expertise has been featured on Lifewire and financial comparison sites like iSelect and realestate.com.au. She holds a BS in business administration from California State University, Sacramento and enjoys hiking and yoga in her spare time. See full bio

Kat's expertise

Kat has written 135 Finder guides across topics including:

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Editor, Loans & Insurance

Megan B. Shepherd is a personal finance expert and editor for loans and insurance at Finder. Her personal finance expertise has been featured on Forbes, Nasdaq, MediaFeed, Fox News, Time, Reviews.com, and carinsurance.com, adding invaluable information related to personal loans, financial strategies and smart borrowing tactics. Megan graduated from the University of Texas at Dallas with a BS in Business Administration with an entrepreneurial focus. She's worked as a certified financial adviser and has earned certificates of completion from A.D. Banker & Company. See full bio

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Best Fast Business Loans of 2026

Get fast business loans to keep your business running smoothly – often in as one business day or less.

Key takeaways

10 best fast small business loans

Best for online business loans

Why we like it

Pros

Cons

Best fast business loan marketplace

Why we like it

Pros

Cons

Best for fast invoice factoring

Why we like it

Pros

Cons

Best for fast lines of credit

Why we like it

Pros

Cons

Best for fast SBA loans

Why we like it

Pros

Cons

Best for fast merchant cash advances

Why we like it

Pros

Cons

Best for fast equipment financing

Why we like it

Pros

Cons

Best for fast startup loans

Why we like it

Pros

Cons

Best for fast lines of credit with low requirements

Why we like it

Pros

Cons

Best for bad credit fast loans

Why we like it

Pros

Cons

Methodology: How we choose the best fast business loans

What is a fast business loan?

Types of fast business loans and turnaround time

How much can I borrow with a fast business loan?

How to get a fast business loan

How much do fast business loans cost?

When a fast business loan makes sense

Fast business loan alternatives

Frequently asked questions

Can you get a business loan immediately?

Can I get an SBA loan with a 500 credit score?

What credit score is needed for a $30,000 business loan?

Can I get a loan with just my EIN number?

Sources

Kat Aoki

Megan B. Shepherd

Ask a question

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