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Fast Small Business Loans


Business owner speaking to worker about the need to get fast small business loans

Fast small business loans provide quick capital to small business owners through options like short-term business loans, equipment financing, and other categories. Small business owners can access the funding they need much more quickly with these loans than more traditional options. 

Are you a small business owner in need of emergency funding? Perhaps you need capital quickly for growth opportunities, but you don’t have the time or the credit history to apply through a bank. This guide from Sunwise Capital can help you understand your options. 

We will explain why your business could need and benefit from fast business loans and then share how you can qualify and apply. Keep reading to learn all about your fast, small-business loan options

Why Small Businesses May Need Fast Loans

Some of the reasons why small businesses may need fast loans are for growth opportunities, help with payroll, emergency repairs, purchasing new equipment, and covering overhead costs like rent or utilities. 

When your business needs quick funding, you won’t have time to wait for a bank with its lengthy application and approval process. Fast, small-business loans can help you get the working capital you need in as little as 24 hours. 

Benefits of Fast Small Business Loans

The main benefits of fast, small-business loans are their speed and convenience. These two factors set them apart from traditional business loans from banks, which are inconvenient with cumbersome application processes. 

We will discuss the benefits in further detail below: 

  • Speed: Fast, small-business loans are called “fast” for a reason, as you can get approved and have funding on the same day. This makes them an excellent option for those who need money for emergency purposes and don’t have time to wait. 
  • Convenience: Fast, small-business loans are significantly more convenient than traditional business loans, as you can apply online from anywhere, and the application process often only takes minutes. 

If you are a business owner who needs money immediately, you won’t have the time to go into a bank and apply for a business loan and wait to be approved. With fast, small-business loans, you can apply from your computer and get funding within the same day

Categories of Fast Small Business Loans 

Some categories of fast, small-business loans are short-term loans, business lines of credit, merchant cash advances, invoice financing, and equipment financing. Each of these loans has different terms, rates, and benefits. We will explain them in further detail below. 

  • Short-Term Business Loans: These loans offer fast access to funding without long-term commitments, making them a great option for companies who need money quickly. A short-term loan has a repayment term of usually around six to eighteen months.  
  • Business Lines of Credit: This is a revolving loan that provides business owners with a specific amount of money that they can draw from as needed until they hit the credit limit. They will only be charged interest on the money they use. As they pay back the money, they can borrow again.
  • Equipment Financing: This loan was created to help business owners purchase equipment for their company and can be used to purchase vehicles, tools, and more. In these loans, the equipment is used as collateral if the loan can not be paid back.  
  • Invoice Factoring: Sometimes called A/R financing, these loans help business owners pay any unpaid invoices. Invoice factoring gives you an advance against any outstanding invoices, giving you access to funds now instead of waiting for your customers to pay in full. 
  • Bad Credit Business Loans: Some lenders offer bad credit business loans to company owners with a credit score rating as low as 500. These loans do not have the strict requirements of a loan from a bank, and they are generally short-term. 

Contact your preferred trustworthy direct lender to learn more about these loan options and to determine whether they are right for you. 

How to Qualify for a Fast Small Business Loan

Small business owners can qualify for fast funding by meeting basic eligibility criteria, such as meeting a minimum credit score, being in business for over a certain amount of time, and meeting a specific monthly revenue minimum. Each lender will have different eligibility qualifications. 

Qualification requirements will also include having all the necessary documents for your application, such as bank statements. Once you ensure you meet your lender’s eligibility requirements, you are ready to apply for your loan. 

Apply for the lowest rates available with Sunwise Capital

How to Apply for a Fast Small Business Loan

You can apply for a fast, small-business loan by applying online on the direct lender’s website, and ensuring you attach and submit all required documents along with your application. These documents can include: 

  • One page application
  • Bank statements from the last three months

Take the time to ensure you accurately fill out your application form and share all necessary information. Answer all questions completely, and make sure all the dates and signatures are clear and accurate on your form and documents. 


Fast small business loans offer quick and accessible work capital that otherwise may have been out-of-reach for small business owners and provide them with opportunities to grow their businesses. With various types of loans, you can find a fast business loan that works for you. 

Interested in applying for a fast, small-business loan? Apply at Sunwise Capital! We provide services to business owners in New York, California, Florida, Texas, Illinois, and more. At Sunwise Capital, we are dedicated to helping you find the right financial option for your business.

We offer several varieties of fast, small-business loans, from short-term loans to invoice factoring. We can help you find the loan that works for your goals. 

If you have questions, call our loan experts at 888-­456-9223 or contact us online today!

Frequently Asked Questions:

What are some disadvantages of fast, small-business loans? 

Some disadvantages of fast, small-business loans are higher interest rates and shorter repayment terms. Due to the nature of emergency funding, interest rates are higher than traditional business loans, which can result in expensive monthly payments. 

Can I still get a fast, small-business loan if I have bad credit? 

You may still qualify for a fast, small-business loan if you have bad credit or little credit history. Your direct lender’s eligibility requirements will vary. At Sunwise Capital, we consider applicants with a FICO score of at least 500. 

Can restaurant owners get fast small business loans? 

Restaurant owners can certainly receive and benefit from fast, small-business loans as long as they fit all the eligibility criteria set by the direct lender. Restaurant owners can use the funding from fast, small-business loans to purchase new kitchen equipment and pay their employees. 

How fast can I receive funding from a fast, small-business loan?

You can receive funding the same day from a fast, small-business loan. How fast you get your money will vary from lender to lender, though at most, you won’t be waiting more than a few business days. To ensure you get your money as quickly as possible, make sure your application form has no errors. 

Mark 7

Mark J. Kane, Founder & CEO of Sunwise Capital, is a distinguished entrepreneur with over 16 years in business financing. Beginning as a psychologist, he quickly became a trailblazing Hospital Administrator. Mark has built multiple ventures, notably accelerating a startup to $18M within months. His transition to Sunwise Capital stems from a deep-seated desire to empower business owners with strategic financial solutions. Recognized for his expertise, Mark's leadership at Sunwise Capital reflects his commitment to fostering business growth and success. Click the link to read more about the author.

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