Questions? We're always open. 📞
(646) 440-4100
Want more info? Text us: 💬
(206) 426-6916
Contact Us

Questions? We're always open. 📞 (646) 440-4100

Want more info? Text us: 💬 (206) 426-6916

Contact Us

Short-Term Small Business Loans

Fast, flexible business funding from $5,000 to $1 million with an 85% approval rate.

With an 85% approval rate, what are you waiting for?
Applying will not impact your credit score….*
$5K - $1M loan amounts

6 to 48 months fixed repayment

Funded in as little as 24 hours

What Is a Short-Term Business Loan?

A short-term business loan provides a lump sum of capital that you repay over a fixed period, typically between 6 and 48 months. Unlike revolving credit lines, a small business term loan gives you predictable monthly payments and a clear payoff date, making it easier to budget and plan your finances.

ReilCap specializes in short-term business loans designed for small and mid-size businesses that need fast access to capital without the lengthy approval process of traditional banks. With loan amounts ranging from $5,000 to $1,000,000 and an 85% approval rate, ReilCap helps business owners secure funding quickly so they can focus on growth.

  • Managing cash flow gaps during slow revenue periods
  • Purchasing inventory or equipment before busy seasons
  • Handling unexpected expenses and emergency repairs
  • Investing in marketing campaigns and business growth
  • Hiring and training staff for increased demand

ReilCap short-term business loans can be used for any legitimate business purpose, giving you complete flexibility in how you deploy the capital. With a simple application process and fast approvals, you get the funds right when you need them most.

Benefits of a ReilCap Short-Term Business Loan

Fast, Upfront Capital

Receive your full loan amount as a single lump sum deposited directly into your business bank account. With funding available in as little as 24 hours, you can address urgent business needs without delays.

Predictable, Fixed Payments

Every ReilCap short-term business loan comes with fixed repayment terms ranging from 6 to 48 months. You know exactly what you owe each month, making it straightforward to budget and manage your business finances.

Flexible Repayment Options

Many ReilCap loans offer early payoff discounts with no prepayment penalties. If your business performs well and cash flow allows, you can pay off your loan ahead of schedule and reduce your total cost of borrowing.

How to Get a Short-Term Business Loan with ReilCap

  • Complete your application online in under 5 minutes with no impact to your credit score
  • Review and sign your loan documents with a ReilCap funding specialist
  • Submit documents and receive funds deposited directly into your bank account

Eligibility Requirements for a Short-Term Business Loan

  • Minimum FICO credit score of 500
  • At least 6 months in business
  • Minimum $250,000 in annual revenue

Term Loan vs Line of Credit

The choice between a term loan and a line of credit comes down to how you plan to use the funds and how predictable your needs are.

FeatureTerm LoanLine of Credit
FundingLump sum upfrontDraw as needed up to limit
RepaymentFixed monthly paymentsMinimum payments on drawn amount
InterestOn full loan balanceOnly on what you use
Best forEquipment, expansion, one-time costsCash flow, payroll, inventory
RatesTypically lower (fixed asset)Slightly higher (revolving risk)
Reusable?No — apply for a new loan each timeYes — revolving credit

Example: A restaurant needing $150K for a kitchen renovation should use a term loan (known amount, one-time purchase). The same restaurant managing weekly cash flow between food costs and weekend revenue should use a line of credit (variable, recurring need).

Not sure which is right for you? Reil Capital advisors can help you choose — or combine both products — based on your business situation. Apply online to get matched with the right financing option.

Frequently Asked Questions About Short-Term Business Loans

Repayment terms vary based on your approval and loan amount. ReilCap offers fixed repayment schedules with terms from 6 to 48 months. Payments are predictable so you can plan your cash flow. Some loans include early payoff discounts with no prepayment penalties.

ReilCap short-term business loans have a closing fee of 0-5% depending on loan terms and approval. There are no hidden fees. The total cost depends on your loan amount, term length, and business qualifications.

No. ReilCap uses a soft credit inquiry during the initial application process, which does not impact your credit score. A hard inquiry may occur only after you accept the loan offer and proceed with funding.

ReilCap can fund approved short-term business loans in as little as 24 hours. Same-day funding is possible in some cases depending on when your application is submitted and documentation is completed.

Many ReilCap short-term business loans have no prepayment penalties. Some loans include early payoff discounts, meaning you can save money by repaying your loan ahead of schedule.

ReilCap short-term business loans can be used for any legitimate business purpose, including managing cash flow, purchasing inventory or equipment, covering unexpected expenses, investing in marketing, hiring staff, or taking advantage of time-sensitive business opportunities.

No. ReilCap short-term business loans are unsecured, meaning no collateral is required. Approval is based on over 50 business health factors rather than asset-backed security.

ReilCap requires a minimum FICO score of 500 for short-term business loan eligibility. This is significantly lower than traditional bank loan requirements of 680+, making ReilCap accessible to business owners with less-than-perfect credit.

Yes. Having existing loans does not automatically disqualify you from a ReilCap short-term business loan. ReilCap evaluates over 50 factors beyond just your credit score, including business revenue, time in business, and overall financial health.

Term loans are a core part of small business financing. Compare term loans with lines of credit, SBA loans, and other funding options to find the right fit for your growth plans.

Join our network of happy customers!

* Rates shown reflect an average fixed monthly percentage. Rates may vary by state and lender criteria. We do not perform a hard credit pull at any point in our approval process. Decision and funding time are subject to applicant’s submission of all requested approval and closing documents. Same day funding is contingent on applicant qualifications. By supplying us with your information, you authorize REIL Capital LLC to contact you at the numbers you provide (including mobile) during any step of this application, via phone (including automated telephone dialing systems, prerecorded, SMS and MMS means) even if you are on a Do Not Call Registry. You are not required to agree to be contacted in this manner to apply with REIL Capital LLC.
Loans made or arranged pursuant to a California Financing Law license - CFL License Number: 60DBO 89473
Copyright © 2025 REIL Capital – All rights reserved.