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Short-Term Business Loan — Spark Business Lending
Business solution

Short-term capital when you need to move fast.

When an opportunity (or a challenge) lands today, a short-term loan gives you fast capital with a clear payoff plan. Simple approval, fixed payments, paid off in months — not years.

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$5k – $500k
Funding amount
3–18 mo
Term length
Weekly / Daily
Payment cadence
Same day
Funding

When a short-term loan fits best

Short-term loans are ideal for one-off expenses you can repay quickly: a marketing push, inventory for the busy season, a surprise repair, or a strategic hire. They unlock capital right away, and the shorter the term, the less total cost you carry.

Fast approval

Decisions in hours, funding the same or next day.

Simple qualification

Light documentation. Revenue matters more than paperwork.

Good to know

Common uses for a short-term loan

Inventory push

Stock up for a busy season and repay from the extra revenue.

Urgent repair

Fix broken equipment or a facility without draining reserves.

Marketing campaign

Fund a launch, ad spend, or seasonal promo right when timing matters.

Apply for funding today

12+

Years in business

$2B+

Amount funded

8k+

Businesses funded

97%+

Approval rating