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Fast Business Financing
Get quick cash flow for immediate business needs.
Easy application process and same-day approval.
No collateral needed to qualify for low-rate funding.
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Instant approval and funding within 24 hours
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Get financing from $10K to $5M
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Flexible repayment options
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6-month to 2-year loan terms
Won't impact your credit
Top Ratings on Trustpilot
Discover why small business owners adore Fast Capital Funding with our 5/5 Trustpilot rating.
See What Others Say
Don't just take our word for it—read testimonials from fellow business owners who have experienced the Fast Capital Funding difference.
Effortless Application
We respect your time. Complete our streamlined online application in just 2 minutes.
Swift Approval and Funding
Experience same-day approval and have funds in your bank account within 1-2 days. Your business moves fast, and so do we.
How To Get a Fast Business Financing
Running a business means dealing with emergencies where you need access to working capital. There might be times when customer payments get delayed, or sales are slow. Even a huge demand for your products can have you scrambling for more cash to purchase inventory.
Fortunately, small business financing can help you keep operations going smoothly during times like these.
Fast business financing refer to financing options with a fast approval process. These types of business financing are typically offered by online granters with less strict eligibility requirements than traditional banks. They also tend to have a streamlined online application process, so you can receive your funding within days.
But just because you can get approved doesn't mean you should go with just any business financing option. Consider the qualifications, interest rates, and fees to make sure you have the right type of financing.
The good news: When you work with Fast Capital Funding, you'll get matched with an advisor who will work with you every step of the way. Your advisor can help you choose the best financing option based on your business needs and the qualifications you can meet. And with a marketplace of more than 75 financial service providerss, you're sure to get the best loan offers.
6 Best Options for Fast Business Funding
Whether you need capital to take advantage of profitable business opportunities, repair a crucial piece of equipment, or cover operating expenses, we have you covered. When you partner with Fast Capital Funding, your advisor will help you choose a loan based on your needs and goals.
Let's explore some types of financing you can apply for through Fast Capital Funding.
Short-Term Business Financing
Small business owners can get short-term financing that are unsecured and have no collateral requirements. With term financing, borrowers receive the amount in a lump sum.
You pay back the amount plus charges in fixed monthly payments within a predetermined repayment schedule. The term length is usually six months to two years.
Business Line of Credit
A business line of credit is a flexible financing option that works similarly to business credit cards (at a much lower interest rate than a credit card). With this type of financing, you get access to a revolving credit limit that you can pay and draw as needed. In addition, you only pay charges for the amount you borrow.
Borrowers who meet the criteria can get approved instantly for a credit line. Many business owners receive the funds in their business bank accounts within hours of approval. That's why it's a good financing solution for businesses that want fast access to cash when needed.
Invoice Financing
Invoice factoring allows you to borrow money using unpaid invoices as collateral. It's a popular fast funding option for small businesses that sell products and services on credit. There's no personal credit score requirement, so it's a good financing solution for small business owners with bad credit.
In a factoring agreement, you receive up to 100% of the total invoice value in exchange for a fee. You turn over your accounts receivables to the factoring company. Then, they collect from your customers when the invoices come due.
Equipment Financing
Equipment financing allow business owners to borrow money for the purchase of machinery. You can borrow up to 100% of the cost of the equipment. Repayment terms depend on the useful life of the asset.
It's a form of asset-based financing, which means the equipment you want to buy acts as collateral for the financing. So, granters are less strict with minimum credit score requirements. Additionally, business financial service providers don't require a personal guarantee for equipment financing — making it a great option for new businesses or startups.
SBA Microfinancing
Microfinancing are one of the financing programs available through the U.S. Small Business Administration (SBA). SBA financing have some of the lowest charges because they're guaranteed. So, if a borrower defaults on the financing, the government pays the granter up to 85% of the unpaid balance.
Small business owners can borrow up to $50,000 through the Microfinancing program. You can apply for funding through SBA-approved nonprofit organizations. Each granter has their own credit requirements, but most will ask you to sign a personal guarantee or provide collateral to secure the financing.
A personal guarantee means you agree to be responsible for the debt. So, if your business defaults on the financing, the guarantee gives the granter the right to your personal assets.
Merchant Cash Advance
With a merchant cash advance (MCA), your business can get funding in exchange for a percentage of your future sales. It's a quick business financing option with no collateral or personal credit requirements.
With this small business financing, you receive a lump sum based on your credit rating and past sales receipts. Then, you pay back the advance through automatic withdrawals from your credit card sales or merchant account daily or weekly.
Meet your Fast Capital Funding advisors
We make sure you're getting the best options on your business financing, and set your company up for success.
Minimum Requirements
Small Businesses ❤️ Fast Capital Funding
Here are the basic requirements to qualify for a fast business loan. Even if you have bad credit, your Fast Capital Funding advisor will guide you through it.
$10,000 in monthly revenue
Your business must be earning at least $10K per month in a business bank account.
500+ credit score
You can get approved with any credit score. But keep in mind that the higher your credit rating, the better deal we can secure for you.
Over 6 months in business
Your company should be operational for at least six months. This shows lenders that your business model is sustainable.
Have a business bank account
Your Fast Capital Funding advisor will need 3 months of your most recent bank statements to verify income.
I highly recommend Clarify Capital
Fast Capital Funding was extremely helpful from the beginning. They always kept me informed about the process. My financing was processed in a timely manner. I recommend them to anyone seeking quick funding.
Joseph C.
Great experience
Adam made my experience very smooth. He always communicated with me and he is very easy to talk to. Within 24 hours I had my funds.
Cheri S.
How Fast Can You Get A Business Financing?
At Fast Capital Financing, we strive to keep things simple, convenient, and transparent. That's why our online application is quick and easy. It takes just two minutes to fill out the online application form!
You can even get same-day funding if you meet the qualifications for the type of loan you're applying for. Once your application is approved, you'll receive funding in your bank account in one to two business days.
How Much Business Financing Can You Get With Clarify Capital?
Granters base the amount you can get approved for on different factors, such as your credit rating, time in business, and annual revenue. The amount you can borrow depends on the financing you're applying for.
For instance, you can borrow up to 100% of the equipment you want to buy with equipment financing. Invoice factoring also gives you cash upfront for a percentage of your unpaid invoices.
With Fast Capital Financing, you can receive funding between $10,000 to $5M. We'll help you choose the best financing depending on your business needs. Then, we'll connect you to financial service providers with the best factor charges..
Alternatives to Fast Business Financing
Here are common alternative funding options that we've provided business owners. Your financial advisor will guide you through all options so you can make the best decision.
When Does It Make Sense To Get a Fast Small Business Financing?
Veteran entrepreneurs say the best time to apply for financing is when you don't need it. It's great advice, but not everyone has that foresight, and it's not always feasible for new business owners.
Sometimes, quick business financing options are the best solutions, just like the examples below.
1. Take Advantage of Profitable Opportunities
In running your business, there are times when you have to make quick decisions and actions to make a profit or achieve your goals. Say you have a boutique that runs out of inventory in the middle of the peak season.
You don't want to close your shop or tell customers you don't have the items they want. In this case, it'd make sense to take out a funding so you can buy more inventory. A fast financing is just what you need to buy the products, sell them, make money, and pay off your debts.
2. Make Equipment Repairs and Upgrades
Every piece of equipment has a limited life span. When a crucial part of your business breaks down or becomes obsolete, repairs and upgrades are necessary to keep your operations going.
Repairs and equipment can be expensive, but you can use quick loans to afford the cost of repairs or new equipment. This way, you aren't taking out capital from your business and compromising your cash flow.
3. Purchase Materials to Fill a Large Order
You work hard to bring in more sales to your business. But what happens if you need to fill a large order and don't have enough materials or manpower?
You'll need to purchase materials or bring in extra workers. It can make sense to get funding through working capital financing like a business line of credit or short-term financing.
4. Manage Seasonal Gaps in Cash Flow
Industries like retail, manufacturing, and transportation have seasonal trends where sales slow down. Some companies can cut back on expenses during these times, but it's not always possible.
If you're experiencing a downturn, you can bridge the gap with a quick business funding. A short-term funding helps you stay afloat and get your company back on track to success when peak season starts.
5. Hire Employees to Keep Up With Demand
Employees make the products and deliver services that create value for your business. But hiring and training employees come with an added expense that you may not have the budget for.
The capital you receive from a small business financing can provide the funds you need to hire new people. With more people, you can increase the number of products you make or customers you serve, meaning greater profits.
6. Advertise and Promote Your Business
Some businesses can grow from word of mouth and referrals as a way of advertising. In fact, these methods are great for getting a business started. But advertising and marketing your business is a necessary investment.
You can't just have amazing products and expect people to find you on their own. You need to let customers know you exist and your products are the solutions to their problems.
You deserve the best options and an honest financial advisor who has your back.
From our humble beginnings, we remain committed to helping American businesses achieve success. We keep things simple, convenient and transparent.
FAQs about Fast Business Financing
Getting access to capital fast might be the best news for your business, and you want to know more. Here are the answers to common questions about fast business financing from entrepreneurs like yourself.
What is the easiest business financing to get?
The eligibility criteria vary for every lender and each type of loan. But quick loans are fairly easy to qualify for as long as you work with online granters since traditional financial service providers typically have stricter requirements.
First, identify your goals and needs. Then, find the right business funding and granter for you. Depending on the criteria you meet, you can get approved for short-term financing, lines of credit, invoice financing, or equipment financing.
How can I get a fast business financing?
Preparation is key to getting the funding you need. Check your credit score and do your homework. Make sure you have relevant documents about your company. These include tax returns, business licenses, bank statements, and financial statements.
What credit score do I need to qualify for a small business financing?
The minimum credit score we recommend is 550. However, the better your credit score, the better charges and financing terms you'll get.
However, at Fast Capital Funding, we strive to provide you with funding whether you have excellent or poor credit. If you have questions about your credit history, call us and talk to an advisor to explore your options.
How much downpayment is required for a quick term financing?
Zero. There's no down payment needed to secure financing with Fast Capital Financing. We want to make the financing application process as easy and transparent as possible. There are no hidden fees, and you'll be matched with a Fast Capital Funding advisor who will walk you through the entire process.
Are business financing payments tax deductible?
Yes, the charges paid on a business term loan is tax-deductible. It helps businesses lower the overall cost of borrowing. However, you can't use the principal amount as a deductible.
If you paid for office rent, purchased equipment, bought inventory, or had any other operating costs, you can claim the expenses against your profits. Speak to a tax professional or accountant for more information about business expenses.
Can applying for a fast business financing hurt your credit?
No, we only do a soft credit pull. When you apply to get pre-approval for funding or an interest rate quote, Fast Capital Financing does a soft credit inquiry. It doesn't affect your credit rating in any way.
How much working capital can I qualify for?
The amount of working capital you qualify for depends on several factors, such as your time in business, annual revenue, and credit rating. Financial service providers use your credit score and time in business to assess your creditworthiness.
Additionally, they use your monthly revenue to determine your financing amount. So, you might be able to get a grant amount equal to your monthly revenue.
Are there any collateral requirements to get a fast financing?
No, the short-term financing and business lines of credit you can apply for through Fast Capital Funding don't have collateral requirements. We provide unsecured financing, meaning you don't need to put up any assets as collateral to get approved.
Types of businesses we fund
Fast Capital Funding provides same-day financing to any business located in the United States. Here's just a few of them: