Loan Amount
$50K - $1M
Time to Fund
1 - 2 days
Loan Terms
6 - 48 months
With an 85% approval rate, what are you waiting for?
Get paid
Short-term loans from $50,000 to $1,000,000.
Get growing
Expand your business with flexible funding options repayment terms of 6 to 48 months
Get ahead
Funds in your business account and help manage risk, streamline everyday tasks, and gain powerful insights all in one place
- Manage cash flow and cover day-to-day expenses
- Purchase inventory or equipment to support growth
- Handle unexpected costs without disrupting operations
- Invest in marketing to attract new customers
- Take advantage of new opportunities without delay
With a simple application process and approvals, you get the funds right when you need them.
Apply for funds
No credit check, just quick access to business financing. With Access Working Capital, you borrow based on your account history and repay automatically with a better loans.
Predictable Payments
Know exactly what you owe with fixed repayment terms. No surprises—just a clear schedule to help you plan ahead.
Flexible Repayment Options
Some loan programs offer early payoff discounts, helping you save on costs if you choose to pay ahead of schedule.
Get the money your business needs
- Complete our quick online application.
- Review and sign your application and documents.
- Submit essential documents and receive your funds.
Requirements for a Business Term Loan
- At least six months in business
- No Bank Debt
- An operating business bank account
Frequently Asked Questions (FAQs)
Costs depend on the program you’re approved for. Some loans have 0% closing costs, while others may include fees ranging from 0–5%.
No, applying through Access Business Loans will not impact your personal credit at any stage of the process.
Funding can be available as soon as the next business day, depending on the lending and approval terms.
It depends on the loan. Some have no prepayment penalties, while others offer prepayment discounts.
Yes, short-term loans can be used for nearly any business-related expense, including payroll, inventory, marketing, and equipment.
Depending on the type of the business loan, Access Business Loans’s short-term business loans may often require collateral.
We evaluate over 50 factors, including cash flow, revenue, deposit activity, industry risk, time in business, credit profile, and existing loan balances.
Yes, you may qualify for an additional loan or options to consolidate existing debt.