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Fast business loans

7 small business lenders for quick working capital.

The business loan application process typically relies on your personal credit score, revenue and time in business, so you may be eligible for a loan or line of credit to improve your cash flow within just a few days. Look for lenders that you can qualify with, and that offer fast turnaround. If you don't meet the lender's eligibility requirements, your application will be rejected.

Top fast business loans

A fast business loan is just a small business loan that a lender is able to fund within a few days. Typically, you'll only have access to a short-term loan or a line of credit if you need to quickly improve your cash flow.

Overall, online lenders are the best place to go when you need quick business loans. Banks and SBA loans take longer to process —so stick with financing options that are meant to cover working capital for business owners in a pinch. But there are some term loan and credit card options available to business owners.


Varies by lender

6% APR


Up to three business days

4.66% weekly financing fee


Up to three business days



As soon as the next business day

2.5% monthly financing fee


As soon as the next business day

1.15 factor rate


Same-day funding available

4.8% APR


Same-day funding available

35% APR

Lendio business loans

Finder rating 4.75 / 5

Go to site

on Lendio's secure site

Lendio is a connection services that works with a large network of lenders to offer businesses multiple loan options. While some of its partners aren't quick — term loans and SBA loans may still take weeks to process — others offer fast business loans.

Fundbox lines of credit

Finder rating 4.2 / 5

Go to site

on Fundbox's secure site

Fundbox is one of the few paperwork-free options out there for business owners. It's quick — you only need to connect your business's bank account information — and you can continuously draw from your line if approved. But fees are front-loaded, so expect a higher interest rate than other, more traditional lenders.

Kabbage small business loans

Finder rating 4.15 / 5

Kabbage lines of credit aren't the cheapest options — and they're currently only available to Amex card holders. But Kabbage is one of the top alternative lenders out there. Once you're approved, funds are deposited from your line of credit within three business days. And although it has a complicated fee structure, Kabbage receives overall positive reviews from its customers.

FundThrough Invoice Factoring and Financing

Finder rating 4.5 / 5

FundThrough is our top pick for invoice financing and invoice factoring. Its platform is fully automated, and if you opt for invoice factoring, you could get funded as soon as the next business day. And unlike most companies, FundThrough may be able to advance you 100% of your accounts receivables. Other companies only offer advances of 80% or 90%.

Credibly business loans

Finder rating 3.8 / 5

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on Credibly's secure site

Credibly offers merchant cash advances with a 1.15 starting factor rate. It's also one of the more transparent options out there. So while you will have to deal with potential daily payments — and an expensive product — it's a quick option that allows small business owners to get an advance on credit card sales within one business day of applying.

BlueVine business lines of credit

Finder rating 4.5 / 5

BlueVine offers same-day funding on draws from its lines of credit. And while you'll have to pay a $15 fee for the speed, most capital is available within 24 hours. Best of all, your business can qualify even if you have bad personal credit. You'll just need to budget for strict weekly payments.

OnDeck short-term loans

Finder rating 4.6 / 5

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on OnDeck Capital's secure site

OnDeck is another top lender that offers same-day funding for its lines of credit. But you'll pay big for this quick option: its APR starts at 35% — much higher than slower traditional lenders. However, the fees are reduced if you borrow frequently from OnDeck, so it pays to be a loyal customer.

Borrow up to $250,000 with most fast business loans

When you're looking for speed, small business owners can usually borrow a minimum of $2,000 and a maximum of $500,000 — although many lenders won't offer business loans over $250,00.

A business loan of over $500,000 take even longer. And the amount your small business is eligible for depends on a few factors, including:

  • Current cash flow
  • Time in business
  • Monthly and annual revenue
  • Personal and business credit scores

The most flexible type of funding will be through a credit card or business line of credit. Because a term loan is received as a lump sum, you can generally borrow more — but it will take longer to get approval.

Startups may struggle to find approval

A startup business loan relies on your personal credit score and business revenue more than time in business. But they are difficult to qualify for and not a fast option.

Rather than a term loan, look into a merchant cash advance or invoice financing options that rely on bank statements. These are typically available from online lenders and are an alternative to a fast business loan for small businesses in the startup state.

Average turnaround time for a small business loan

Fast doesn't mean instant. Small business loans will still take time to process. Expect to wait a minimum of two or three days after approval to get your loan funds. Even a line of credit will require you to wait a few business days after you request a draw.

Term loan

3 to 5 days

Line of credit

2 to 3 days

SBA Express loan

2 to 3 months

Business credit card

Instant funding once approved

Short-term business loans

3 to 5 business days

Equipment financing

A few days to a few weeks

You can learn more about different types of business loans to make a more informed decision.

Prepare your documents for quick processing

Most lenders offer an online application for their business loans, but that's not all your business needs when it applies. To get a fast business loan, you'll need to provide basic documents:

  • Bank statements
  • Business tax ID
  • Driver's license number
  • Accounting software
  • Profit and loss statements
  • Bank account information
  • Contact information of each business owner

The exact information you need to provide will depend on the lender. For fast business loans, expect to submit everything all at once for quick processing.

Cost may be more important than speed

Fast business loans don't come cheap. In fact, you'll sacrifice value for speed. Your credit score and cash flow play the most important role in approval, but this means you'll need to be on the lookout for additional costs to get the most value from your business loan.

Loan term is important with every business loan. Traditional small business loans last anywhere from five to 25 years. But fast business loans may only have a term of six to 18 months.

Repayment terms are how frequently your business will need to make payments. Even the best loan options may require small business owners to make payments daily or weekly.

Interest rates, upfront fees, ongoing fees and collateral will also impact the cost of a business loan. Quick business loans can be useful — but only if the speed outweighs the added cost.

Recap: Best fast business loans

Fast business loans are a critical way to get working capital for your small business. Provided you meet a lender's time in business and annual revenue requirement, you may be able to receive funds within a few days after applying with one of these top lenders.

  1. Lendio
  2. Fundbox
  3. Kabbage
  4. FundThrough
  5. Credibly
  6. BlueVine
  7. OnDeck

But if you're not sure about the financing process, you can browse the best small business loans to see more lenders that can improve your cash flow and meet your business needs, or read our guide to interest rates on business loans to learn more about what to expect.

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