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What is Short-term Loan?

A short-term loan is an unsecured type of loan that can help businesses with temporary needs. It gives more immediate funding than other loans in the market and comes with a repayment period of a few years or lesser. A short-term loan credit limit is lower than a line of credit. Short-term loans are sensible choices when dealing with unexpected financial difficulties for small businesses that are not yet eligible to apply for a line of credit from a bank.

Best for:

  • Start-up costs

  • Short-term operational costs

  • Emergency repairs

  • Cash flow gaps

  • Equipment purchase

  • Seasonal cash shortage

  • Business expansion

  • Establishing credit history

I have a BAD CREDIT. Can I get a short-term loan?

Bentley Funding extends loans to borrowers with bad credit. We will conduct a credit check to ensure that you have a source of income to repay the loan. Even if you have bad credit, you can get a short-term loan if you can demonstrate that you have the means to repay it.

Like any other kind of loan, a short-term loan can affect your credit score.​ As long as you do not fail on repayments, your credit rating will not suffer. Timely repayment of your short-term loan can help you improve your credit rating.

Do Short-term Loans Affect Your Credit Rating?

Pros of Short-term Loan

  • Quick funds in as little as 24 hours

  • Unsecured

  • Limited documents and paperwork required

  • Simple and easy application

  • High chance of eligibility

  • Bad credit? No problem

  • Flexible terms

  • Improves your credit history

Cons of Short-term Loan

  • Higher interest rates

  • Frequent repayment schedule

  • Late-payment penalties

  • Could be habit-forming


2. We will review
your application

We review your goals and present you with programs matching your needs, getting an offer in 24 hours.


3. Receive Funding

Choose the program that fits you best and receive funding within 48 hours.


1. Apply

Fill up application form.



Still not sure? Help is a click away.

Your questions will be answered.

Your doubt will be removed.

You can ask us directly at 
or send us an email at

Need more information about Short-term Loan? Contact us for a FREE CONSULTATION.

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