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At Gable Business Finance, we understand that businesses often face periods where cash flow is tight, unexpected expenses arise, or sudden opportunities appear that require immediate capital. In such situations, a short-term business loan can provide the rapid, flexible funding your business needs without committing to long-term debt.
Short-term loans are designed for a period of 3 to 18 months, offering a practical solution for bridging gaps, covering urgent costs, or investing in time-sensitive opportunities. Unlike traditional bank loans, which can take weeks to process and require extensive documentation, short-term loans focus on speed, efficiency, and accessibility.
Whether you’re a small retailer, a seasonal business, a start-up, or a growing SME, our team at Gable Business Finance works with a wide panel of lenders to secure competitive loans tailored to your needs. From unsecured working capital to asset-backed lending, we ensure your business gets the right funding quickly and with transparent terms.
A short-term business loan is a finance product designed for businesses that require temporary capital to meet immediate needs. The repayment period is typically between 3 and 18 months, depending on the lender and the loan type. Unlike long-term loans, which may span several years, short-term loans allow businesses to address urgent financial requirements without committing to prolonged debt obligations.
Many lenders can provide approval within 24–72 hours, with funds released shortly after. This rapid turnaround can be crucial for businesses needing to act quickly, whether to seize a growth opportunity, pay urgent bills, or manage seasonal demand.
Short-term loans offer flexibility in usage. Funds can be deployed across multiple operational areas, such as stock purchases, payroll, supplier payments, or marketing campaigns.
Short-term loans do not tie businesses to years of debt repayment, minimising financial risk and allowing companies to manage debt more efficiently.
Successfully repaying a short-term loan can enhance a company’s creditworthiness, enabling better future funding opportunities.
Short-term loans can be structured to meet the unique needs of each business — from invoice financing and merchant cash advances to asset-backed loans.
Unsecured loans do not require collateral, making them accessible for businesses without significant assets. Approval is based on cash flow, trading history, and creditworthiness.
Advantages:
Potential drawbacks:
Secured loans require collateral such as property, equipment, or other tangible assets. These loans generally allow for larger sums and lower interest rates.
Invoice financing converts unpaid invoices into immediate cash, helping businesses manage short-term liquidity challenges.
Merchant cash advances allow businesses to borrow against future credit card sales. Repayments are linked to daily or weekly sales.
Bridging loans are short-term, interest-only loans typically used for urgent property-related finance or business acquisitions. They can be secured against property or assets and are generally repaid through refinancing or sale of the underlying asset.
At Gable Business Finance, we match your business with lenders whose criteria align with your situation to maximise approval chances and secure competitive terms.
Background: A UK-based online retailer needed £50,000 to purchase stock ahead of the Christmas season.
Solution: Gable arranged a 6-month unsecured loan with funds released within 48 hours.
Outcome: Increased sales by 30% and improved creditworthiness.
Background: A local construction supplier faced unexpected machinery repair costs.
Solution: Gable secured a 4-month asset-backed loan using machinery as collateral.
Outcome: Repairs were completed on time, with minimal impact on cash flow.
Background: A marketing agency needed immediate capital for a high-profile campaign.
Solution: Gable arranged a merchant cash advance tied to projected invoices.
Outcome: The campaign was delivered on time, with repayments linked automatically to client invoices.
Q: How quickly can I get a short-term business loan?
A: Approval typically takes 24–72 hours, with funds released immediately after.
Q: Can I get a loan with poor credit history?
A: Yes. Specialist lenders may approve based on trading performance and cash flow.
Q: Are short-term loans secured or unsecured?
A: Both are available. Secured loans usually offer higher amounts at lower rates.
Q: What documentation is required?
A: Bank statements, management accounts, tax returns, director ID, and use of funds summary.
Q: How can I manage repayments effectively?
A: Forecast cash flow, select a suitable term, monitor interest, and consider early repayment options.
Take control of your cash flow today with Gable Business Finance and secure a short-term business loan that works for your business.