Fast money for a defined, urgent gap — an inventory buy, an emergency repair, a payroll week you have to cover. Expensive by design. Use it when the cost of not having the money is higher than the cost of the money.
This is the most expensive product on the site, and repayment is usually daily or weekly — which is demanding on cash flow. It is a bridge, not a fix. A structural cash-flow problem will not be solved by expensive short-term debt; it will be made worse. Use this only when nothing cheaper is open to you and the use of funds clearly pays for itself.
These are the ranges we see across our funding partners. This structure costs more than every other product on this site; your actual offer is set by the partner, not by us.
| Term | Typical range |
|---|---|
| Amount | $5,000 to $250,000 |
| Term | 3 to 18 months |
| Payments | Daily or weekly |
| Cost | Higher than every other product on this site |
| Collateral | Usually unsecured with a personal guarantee |
| Prepayment | Sometimes discounted — always ask |
Ranges are illustrative and are not an offer of credit. Rates, fees, and terms are determined solely by the funding partner and disclosed to you before you sign.
Same-day approval is common; funding in 24 to 72 hours for a complete file.
Speed, short duration, and looser credit requirements are all priced in.
Frequently, yes — and you should. Many owners use short-term capital to bridge, then move into a line of credit or SBA loan. We will flag when that is worth doing.
Only if nothing cheaper is open to you and the use of funds clearly pays for itself. We will tell you honestly which of those is true.
Almost always the cheaper answer to a recurring cash gap. Try this first.
See More →A predictable, lower-cost structure when you can wait a few days instead of a few hours.
See More →Repayment that flexes with your sales, for businesses with uneven months.
See More →Two minutes, no hard credit pull, and a straight answer — including whether a cheaper structure is open to you first.
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