Fast Business Loans

• Get fast business loans at good interest rates for your small business
• Easy application process for business who need capital now.

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Get Small Business Loans Fast & Easy

With AdvancePoint Capital, finding fast small business loans is not as challenging as you may think. Small business owners are responsible for wearing hundreds of hats at any given time. Troubleshooting customer concerns, monitoring and training personnel, and handling all of the business finances are just a few of the business owner’s key roles. When unexpected expenses pop up, everyone relies on you to fix the issue. You may need a fast loan to handle pressing business needs before they escalate.

But who has ever heard of a quick small business loan? Getting fast business loans through banks, credit unions or the Small Business Administration is always challenging to say the least. With a high denial rate due to their stringent requirements, many small businesses need to find alternatives to traditional lenders, that's where are alternative lender network comes in at Advancepoint.

What is a Fast Business Loan?

Today’s technology has paved the way for quick emergency business loans through online lenders — meaning you have many options for fast business loans regardless of your financial circumstances. Online lenders make it possible to access your money in as little as one business day once approved. If your business has emergency expenses, needs a financial boost, receives a business opportunity that demands fast action, or is in an industry with ups and downs, it requires a reliable funding source. You can turn to an online lender when you need easy fast business loans in a pinch.

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AdvancePoint Capital makes the loan application process a simple, straightforward experience.

Fast Business Loan Options

Every company is different and deals with its own set of unique financial circumstances and challenges; What works for one company may not work for another. AdvancePoint Capital lenders understand that you need an individualized financial solution that fills your business’s situational needs at that specific time. Our choices for a fast business term loan are diverse and can provide financial solutions for a wide variety of industries with a simple application process.

Our knowledgeable live agents are available 24 hours a day, every day of the year, to listen to your concerns and offer you fast and easy business term loans and lending solutions with terms that will work for you. We work with business owners in nearly any industry to offer SBA loans, merchant cash advances, line of credit, and other financing options like a small business loan.

Our wide array of quick and easy business finance solutions can be used for nearly any business need and can help you get funded today. With simple paperwork and a streamlined process, our agents will help determine if your business needs can be met through alternative small business loans such as:

small business loans

Small Business Loans

Small business loans can be acquired in a day with certain business lenders. A small business loan is a term loan with fixed lump sum, with a fixed term and fixed payments. A small business loan has good interest rates.

  • Term loans with fixed terms and payments
  • Quick application process
  • Limited documentation required
Business Line of Credit

Business Line of Credit

A line of credit once approved and in place, you can draw funds up to credit limit, same day. You can draw on demand with a line of credit as you would a credit card. Line of credit is a revolving line with competitive rates that are applied to the outstanding balance. Line of credit has flexible repayment terms and no prepayment penalty.

  • Flexibly revolving line of credit
  • Draw money when needed
  • Only pay interest on balance
  • Rates starting at 1% per month
Invoice Financing

Invoice Financing

Invoices can be approved for an advance same day once submitted to the invoice factoring company.

  • Invoices funded upon issuance
  • Factor rates starting at 1%
  • Factoring company handles accounts receivable
  • Accelerates cash flow
Merchant Cash Advance

Merchant Cash Advance

A merchant cash advance is not a small business loan, but an advance of future revenue of the business. No personal guarantee. This type of business financing has flexible repayment terms for that reason. Funds available same day.

  • Flexible repayment terms based on future sales
  • Revenue based funding
  • All credit considered
SBA Loan

SBA Business Loans

SBA loans that are considered fast would be the SBA Express loan or SBA Microloan. These are fast secured business loans. Other SBA loans are far from fast, so be careful what you ask for. Personal guarantee is required.

  • Backed by the Small Business Administration
  • Attractive rates & terms
  • Streamlined application process by SBA standards
Equipment Financing

Equipment Financing

Equipment financing offers a strategic advantage for businesses, providing the means to acquire vital machinery with speed and efficiency. From approval to funding, the process is streamlined—taking as little time as instantaneously or spanning a few days. This service is particularly beneficial when partnering with top equipment financing companies, as they specialize in crafting solutions attuned to various business needs.

  • Equipment is used as collateral for financing.
  • Terms from 2 to 5 years
  • Monthly payments
Small Business Cash Advance

Business Cash Advance

This product of a business cash advance is one of the easiest business loan alternatives. A working capital alternative offered by an alternative lender and not conventional financial institution. Popular with business owners with issues on credit report, but sufficient annual revenue.

  • Factor rates starting 1.13%
  • Flexible repayment process based of future revenue
  • Convenience ACH payment available
  • Based on current revenues of the business not profit/loss
Short-Term Business Loan

Short-Term Business Loan

Quick business loans like short term small business loans are the best fast business loans if you acquire from online lenders. These term loans offer a lump sum upfront with repayment terms in months not years. Great for when emergency expenses arise.

  • Interest rates starting at 9%
  • Fixed payments and terms
  • Early pay discounts

Pros and Cons of Fast Business Loans


  • Fast process- The loans are typically funded same same day with a simple application process.
  • Qualifications- Most fast business funding options only require limited documentation with just business bank statements and an application.
  • Credit- Flexible credit requirements
  • Timing- The speed of business funding is typically same day to handle whatever emergency you may have.


  • Rates & Fees- Some fast business funding products will charge more for a fast turnaround, unless you have good credit
  • Terms- Fast business funding products have shorter repayment terms because underwriting is not looking at as much they would be normally given the time.
  • Conditions- Business may have to provide a blanket against all business assets as collateral. Some business funding products require personal guarantee.

How to Chose the Best Fast Business Loans: Tips for Comparing Fast Business Loans

  • Choosing the Lender - You should consider a variety of business loan originators when looking for fast business funding. A bank or credit union will not move fast, so that's not an option. Online business lenders and business loan brokers have a variety of products that can get you money fast.
  • The use of Business Funds - Determining your need and then finding the best product for that need is important. Although some business loans may have the best rates and terms you may not be able to get the money fast enough or the amount isn't enough to solve the problem.
  • Compare Business Loan Products & Features - Features can dictate your choices for fast business funding such as is it a term loan? line of credit? or an advance? Perhaps an invoice factoring product can solve your problem fast without taking out a business loan and adding debt. Product features and terms are important part of the selection process.
  • Compare Offers - Not all offers are created equal. Not only are rates and terms different from lenders but also what product opportunities as well. Some originators will steer you to business funding options over offering others. Its important that you compare and shop around for what's best you you, your business and your needs.

How to Apply for Fast Business Loans

We provide a wide variety of alternative funding opportunities for business owners like you who struggle to get conventional business loans. Whether you have limited time in business or a not-so-great personal credit score, or lets face it bad credit, we’ll find fast business loans that fit your company’s needs and get's you same day funding.

AdvancePoint Capital has deep experience in working capital loans. We know what small business owners need and offer a quick and efficient application process. Our knowledge in funding makes the approval process simple, streamlined, and short – in other words, we provide fast business loans, but the right business loan.

  1. Interview- Discuss with a business finance specialist and discuss needs and qualifications so it can be determined what products to apply for.
  2. Application- Once products have been identified as to apply for to get get fast business funding, you will need to complete an application. The application will require you to including business information such as corporate name and any dba name, registration date, FEIN number, business address. You will also need to provide personal information of a majority of business owners including home address, date of birth and social security number.
  3. Documentation- Most fast business loans only require 3 months business bank statements along with an application to get terms to consider.
  4. Evaluate Offer(s)- Usually it will only take 3 to 6 hours to get offers and terms to consider. The offers should come in the form of a term sheet or disclosure outlining product features, rates, payments, terms and conditions. Compare products with other offers so you are sure to get the best deal and find the right solution for your need.
  5. Accept Offer- Once you have selected an offer you will need to sign an agreement and provide the final stipulations to clear file and receive final approval to fund. These closing stipulations usually are identification, wiring instructions and bank verification.
  6. Closing/Funding- Underwriting will clear stipulations and verifications and then fund the customer usually in a couple hours. Funds are typically sent by wire or ACH to the business bank account that was reviewed for approval and your's that for fast!

Alternatives to Fast Business Loans

  • Business or Personal Credit Cards - Surprisingly, many small business owners use credit cards to support there businesses.
  • Personal Loans - There are a lot of online personal loan lenders that offer personal loans to self employed borrowers
  • Personal Funding - On occasion, business owners will use there personal money to funding there businesses.
  • Raise Capital - Sometimes the need for capital will require the business to raise capital by taking on investors or using resources like crowd funding.

The fast, convenient and straightforward way to get the money you need for your business – now!

Get your quote today by filling out our simple online application.

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All Credit Scores are Considered for Fast Business Financing

Simple and quick business loans are essential, but what happens when your credit score is less than perfect? AdvancePoint Capital lenders understand that being a small business means sometimes business finances aren’t always where they should be. Still, we want to try to help you secure the funds you need anyway.

All Credit Is Welcome

Many customers ask: Can I get a business loan with a 750 credit score? What about a business loan with a 500 credit score? Where to look for fast business loan with bad credit? We look at more than just your personal credit score, bank statements, bank account, and your company’s annual revenue when we make our decision with your application. This way, you’re not relying on only traditional qualifiers for the business loans you need that may have left you stranded before or with miserable rates. Plus, we offer guidance on how your personal credit works and how to improve credit.

In the big picture, factors like your business’s credit, business assets, monthly sales, and additional items tell a story that credit scores and other individual numbers may not. With so many options for fast business financing available, we will work hard to see every perspective and find the loan that works for you — regardless of your credit score.

Fast, Easy, and Flexible Financing

Fast, Easy, and Flexible Financing

Through traditional loans, you spend days completing the paperwork process and weeks waiting for an answer. If you are among the lucky 20% who get approved for these more challenging types of funding, you will spend even more time holding down the fort as you await to finally access cash flow funds from your business loan. That is not what we call a quick business loan.

The extra time wasted waiting for paperwork to be approved for business loans and the extended process means bills aren’t being paid. As a result, you’re likely fending off creditors who want their money or delaying much-needed repairs and renovations.

When you work with AdvancePoint Capital, this won’t be the case. Our paperwork and online application process take minutes, and approval can occur in as little as a few business hours. This is how you get a fast business loan the right way. You can access your funding as soon as one business day upon approval. Now that’s what we consider fast business loans!

Flexible Term Options

Your company may require a little extra cash flow to push through a difficult period or handle much-needed renovations. Or maybe you had an emergency come up that you weren’t prepared to deal with, and money is currently tight, or a unique business opportunity arises that requires you to act fast. These circumstances are often when a fast business loan is often the only solution left.

As a small business owner, you are responsible for paying the bills, covering the overhead, and handling unexpected expenses. If you cannot reconcile all of these areas, the fallout rolls into all of the other parts of your business and can quickly create a domino effect. You need money to help you before this happens, and you need it fast.

AdvancePoint Capital knows that your business is your livelihood. With our flexible term options, you can get that fast business loan in time to solve your financial cash flow concerns and still comfortably stay in business while you pay off what you borrowed. To get fast business loans that will push your business toward its goals, AdvancePoint Capital is the way to go.

Flexible Loan Term Options

Get Started With Our Simple Online Form

Applying for a loan with AdvancePoint Capital is a simple four-step process. Get started with this online form, fill out the short application page, wait a few hours for your approval, and get your money!

AdvancePoint Capital offers an easy and quick small business lending experience. Our customers love the fast, streamlined process and high approval rates that come from working with us. Feel free to reach out; Our team is standing by to field all questions or concerns and help you get started discovering the benefit of online lenders like AdvancePoint Capital, Ondeck, and Kabbage.

Get your quote today by filling out our simple form. All credit scores are considered.

Understanding the Basics of Rapid Financing

When they hear the term "rapid financing," many business owners imagine a lengthy and complicated process. Surprise—it's just the opposite! Let's unravel the mystery. Rapid financing refers to loan options designed to bypass the traditional wait times, making capital available to you sometimes within a business day.

Think of it as the express lane on the highway to business growth. It's perfect for urgent needs like covering a cash flow gap, grabbing a can't-miss opportunity, or handling unexpected expenses. With a streamlined application process and quicker approval times, you can keep your business humming without missing a beat.

Imagine being able to repair that crucial piece of equipment right away or stock up on inventory ahead of a big sale. That's the power of rapid financing at your fingertips.

Here's why they're a game-changer:

  • Swift approval process
  • Minimal paperwork needed
  • Funds can be released as quickly as within 24 hours

Business moves fast—your financing should too!

Defining Fast Business Loans

Fast business loans are the speedsters of the financial world, tailor-made for the quick-paced nature of today's businesses. They are specifically crafted to offer a lifeline when time is of the essence and traditional funding avenues just can't keep up.

So, what makes them “fast”? Let's break it down:

  • Speedy Funding: Once approved, the capital can be in your account as rapidly as within one to three business days, sometimes even the same day.
  • Efficient Process: Online lenders streamline the application process, slashing the time and paperwork required when compared to traditional bank loans.
  • Flexibility: They're suitable for a variety of business purposes, whether it’s bridging a temporary cash flow gap or capitalizing on a sudden opportunity.
  • Broad Accessibility: With less stringent approval criteria, these loans are accessible even to startups or those with less-than-stellar credit histories.

In the fast-paced business arena, seizing opportunities or overcoming hurdles quickly can make all the difference. With fast business loans, you're not just getting financing; you're unlocking the potential to pivot, grow, and thrive without unnecessary delays.

Embrace the pace and let your business soar with swift financial support that's ready when you need it.

Advantages of Fast Access to Capital

Having quick access to capital through fast business loans can be an absolute game-changer for a small business. The advantages include:

  • Immediate Relief: They can provide instant financial relief for unforeseen issues like equipment breakdowns or sudden cash flow shortages, ensuring your business operations don't grind to a halt.
  • Opportunity Seizing: If a golden opportunity knocks, such as a bulk discount on inventory or a chance to expand, you have the means to capitalize without delay.
  • Simplified Process: The application and approval process with lenders like Clarify Capital is often much less complex and less paperwork-intensive compared to traditional loans.
  • Building Credit History: If they manage their loan responsibly, small businesses can build or improve their credit score, making it easier to secure future financing.
  • Competitive Edge: Quick access to funds means you can respond to market changes swiftly, giving you a competitive advantage over those struggling for funds.

Potential Drawbacks and Risks

While the allure of fast business loans is strong, they come with their share of potential drawbacks and risks:

  • Higher Costs: The convenience of quick access typically comes with higher interest rates or fees than traditional loans due to the elevated risk lenders are taking on.
  • Short Repayment Periods: Quick loans often have to be paid back in a shorter time frame, which can put a strain on your cash flow if not managed carefully.
  • Debt Trap Danger: Repeatedly relying on fast financing can lead to a cycle of debt that's hard to break free from, especially if using new loans to pay off existing ones.

Balancing the need for speed with cautious financial planning is crucial to ensure that a quick infusion of cash doesn't lead to long-term financial stress.

Streamlining the Application Process

To get your hands on a fast business loan, streamlining the application process is key. Here's how to do it:

  • Start Online: Use simple online forms provided by lenders like Clarify Capital and AdvancePoint Capital to kick off your application.
  • Be Prepared: Gather basic information about your business, such as your business's financial statements, tax returns, and legal documents, ahead of time.
  • Connectivity: Use technology to your advantage by connecting your bank accounts and accounting software with the lender's platform if that option is available.
  • Clear Communication: Ensure all your contact details are current so lenders can reach you without delay if they require additional information or documentation.

Following these steps can significantly cut down on the time it takes to get approval and funding, often making it possible to receive funding on the same day.

Documentation Needed for Expedited Approval

For expedited approval on a fast business loan, having your paperwork in order is essential. While requirements can vary, be ready to provide:

  • Business Plan: Articulate your business goals and how you'll use the funds.
  • Tax Returns: Both personal and business tax returns to demonstrate financial history and stability.
  • Bank Statements: Personal and business statements to show current financial standing.
  • Licensing and Permits: Proof that your business is legally compliant.
  • Debt Information: Details on any existing debts to assess your financial commitments.
  • Financial Statements: A recent balance sheet and profit and loss statement to give lenders a snapshot of your business's financial health.
  • Good Standing Certificate: To prove your business is legally registered and compliant.
  • Lease Agreements: If applicable, to show any long-term commitments.

By being prepared with these documents, you can move through the application process with lenders like AdvancePoint Capital with speed and ease.

Exploring Other Financing Options

Sometimes, they may find that a fast business loan isn't the right fit, or they're just curious about what else is out there. Exploring alternatives is a smart move. Here are a few options they might consider:

  • Bootstrapping: Using your own funds can be slow but helps retain full control over your business.
  • Friends & Family: A personal loan from someone they trust can offer flexible terms, but involves personal relationships.
  • Angel Investors: They provide capital in exchange for equity and can also offer valuable mentoring.
  • Crowdfunding: Raise small amounts of money from a large number of people, often through online platforms.
  • Grants: Free money with no repayment, though highly competitive and often restricted to specific industries or purposes.

By weighing these alternatives against fast business loans, they can decide which financial path aligns best with their business goals and situation.

When Traditional Financing Makes More Sense

In the financing world, speed isn't always everything. There are times when traditional financing routes, such as bank loans or credit unions, might be a better fit, like when:

  • Planning Major Investments: If they're considering a long-term investment such as purchasing property or undertaking a major renovation, the typically lower interest rates of traditional loans can make financial sense.
  • Strong Credit Scores: They can leverage their excellent credit to get favorable rates and terms with traditional loans.
  • No Urgent Cash Need: If they're in no rush for funds, the broader options and potentially lower costs of traditional financing can be worth the wait.
  • Building Relationships: Establishing a relationship with a traditional bank can provide other business benefits like personalized financial advice and additional services.

In these cases, taking the time to navigate the more rigorous application process of traditional financing can pay off in the long run.

Evaluating Your Business's Eligibility Quickly

Key Requirements for Immediate Loan Approval

For immediate loan approval with lenders like Clarify Capital, the key requirements generally include:

  • Minimum Business Age: Your business should have been in operation, often for at least a few months to a year.
  • Revenue: A steady stream of income, with minimum monthly or annual revenue thresholds to be met.
  • Credit Score: While all credit scores are considered, having a certain baseline score may be necessary, though this can vary widely among lenders.
  • Bank Statements: You'll likely need to provide the most recent statements as proof of business activity.
  • No Recent Bankruptcies: Lenders typically require that they haven't declared bankruptcy in the recent past.

Meeting these requirements can result in an almost instant approval, making the funding process incredibly fast and efficient.

How to prepare for a swift business loan application

To ensure a swift business loan application process:

  1. Know Your Numbers: Understand their business's financials, including monthly sales and cash flow.
  2. Gather Documentation: Have key documents like tax returns, bank statements, and financial statements readily available.
  3. Define Loan Purpose: Be clear about why they need the loan and how much funding they require.
  4. Check Credit Score: Review and improve personal and business credit scores before applying.
  5. Choose the Right Product: Select a loan product that matches their business's needs and repayment capabilities.

Efficient preparation sets the stage for a quick turnaround, so they can spend less time applying and more time growing their business.

The Speed of Business Funding

How Quick Can You Receive Funding?

With platforms like AdvancePoint Capital, the time from application to receiving funding can be incredibly fast. Depending on the lender and the type of loan:

  • For Certain Loans: They may receive funds as soon as 24 hours.
  • Typically: Most businesses can access funds within 1-3 business days after approval.
  • There Are Exceptions: Some loan products, like traditional bank loans, may take longer.

The exact speed will also depend on how quickly they provide the required documentation and the efficiency of the lender's processing capabilities.

Steps to Ensure a Faster Loan Process

To ensure a faster business loan process, they should:

  1. Prep Your Paperwork: Organize all the necessary documents beforehand such as tax returns, financial statements, and legal business documentation.
  2. Quick to Respond: Be available to answer any lender questions or requests for additional info.
  3. Use Technology: Apply online for faster processing and consider lenders that use automated systems to assess eligibility.
  4. Be Accurate: Double-check the application for mistakes that might lead to delays.
  5. Lender Fit: Choose a lender known for quick processing and funding times.

By following these steps, they can minimize the time between applying for a loan and getting the cash they need.

How to Choose the Best Fast Business Loan

Comparing Lenders for the Best Terms

When they're in the market for a fast business loan, comparing lenders is crucial to secure the best terms:

  • Rate Comparisons: Look at interest rates and compare them across various lenders to ensure they're getting competitive terms.
  • Fee Structure: Understand all the associated fees—origination fees, processing fees, and potential prepayment penalties.
  • Loan Terms: Assess the length of the loan and whether the repayment schedule aligns with their business's cash flow.
  • Lender Reputation: Check customer reviews to gauge the lender's service quality and reliability.
  • Flexibility: Some lenders may offer more flexible terms, such as the ability to adjust payment dates or offer lines of credit versus lump-sum financing.

Taking a little extra time to compare can lead to significant savings and a better match for their business needs.

Reviewing Interest Rates and Repayment Plans

Reviewing interest rates and repayment plans is crucial in the decision-making process:

  • Understand the APR: The annual percentage rate gives a comprehensive look at the loan's yearly cost, including fees.
  • Evaluate Term Length: A shorter term usually means higher payments but less interest over time, while a longer term spreads out the payments, potentially making them more manageable.
  • Repayment Flexibility: Determine if there's flexibility with payment amounts and if there are any penalties for early repayment.
  • Fixed vs. Variable Rates: A fixed rate provides predictable payments, while a variable rate could offer savings if interest rates drop but also could increase over time.
  • Total Cost of Loan: Calculate the total amount they'll be paying back, not just the loan's face value.

Knowledge is power—understanding these details will help make a well-informed, financially healthy choice for their business.

When to Consider Fast Business Financing

Scenarios That Might Require Immediate Funding

Immediate funding may become necessary in various high-stakes scenarios:

  • Emergency Repairs: When critical equipment fails or facilities need urgent maintenance to continue operations.
  • Cash Flow Shortfalls: To bridge the gap when outstanding accounts receivable are delayed or sales are slower than anticipated.
  • Time-Sensitive Opportunities: When a limited-time discount on bulk inventory or expansion opportunities arises that requires quick action.
  • Unforeseen Growth: When business is booming unexpectedly and they need to quickly hire staff or increase inventory to keep up with demand.
  • Tax Payments: When facing unexpected tax bills that must be settled promptly to avoid penalties.

These scenarios underscore why expedient access to capital can be crucial for a business's survival and growth.

Strategic Uses of Rapid Business Loans

Rapid business loans can be strategically used to:

  • Boost Inventory: To capitalize on bulk purchase discounts or to gear up for seasonal demand spikes.
  • Fund Marketing Campaigns: Quickly launching marketing efforts to take advantage of market trends or to outpace competitors.
  • Expand Operations: Opening a new location or adding new product lines to drive growth.
  • Technology Upgrades: Investing in the latest technology to improve efficiency and customer experience.
  • Mergers & Acquisitions: Act swiftly on acquisition opportunities that align with their strategic business goals.

Used wisely, these loans are not just a quick fix but a tool for strategic business growth.

Ready for Rapid Results?

Take the Next Step Towards Financial Agility

Embrace financial agility and take their business to the next level by applying for a fast business loan today. It’s about moving quickly and confidently to make the most of every opportunity that comes their way. By tapping into the right resources, they can:

  • Solve immediate financial needs
  • Implement strategic initiatives faster
  • Stay ahead in a competitive market

Taking the next step towards financial agility means they're not just preparing for the challenges of today but also the opportunities of tomorrow.

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Unlocking Quick Cash Flow for Your Business Today

Don't let cash flow constraints hold their business back. Unlock the funds they need with a fast business loan and breathe life into their operations. Whether it's covering a shortfall, seizing growth prospects, or handling unexpected costs, quick financing can keep their business moving forward without a pause.

Act today and transform their financial outlook:

  • Apply quickly and easily, with less paperwork
  • Get speedy approval and access to funds
  • Use the capital to navigate any business challenge or opportunity

Unlock the quick cash flow that can help their business not just survive but thrive.

Frequently Asked Questions