A quick funding process that offers fast business loans to business owners.
Last Updated on March 24, 2025
Shield Funding TeamIn a nutshell, a fast business loan is a loan from a non-traditional lender like Shield Funding that can make a lending decision in a matter of hours. Then your loan can be funded in a matter of days and sometimes as fast as the same day you apply.
Think you can try this with a bank? With regulations, approval processes, and layers of employees, you’ll be lucky to receive your business funding in weeks. And it may be longer. At Shield Funding we make the process of securing immediate funding fast and easy and you can get started online.
Shield Funding has been providing fast business loans to small business owners for twenty years. We offer competitive rates and a quick and hassle-free loan process, with funding available as soon as the same day. With decades of experience, we are a trusted lender committed to helping businesses secure capital when they need it most.
Whether you need immediate funds for payroll, inventory purchases, cash flow management, or unexpected expenses, our flexible loan options are tailored to your needs. We are a great resource for business owners who don’t qualify for traditional bank loans or SBA loans, or for those who need a fast and reliable financing solution to keep their business operating smoothly.
What Do I Need to Qualify?
Below is a list of the general requirements to get approved for business funding with our basic program.
How Do I Apply?
Applying has never been easier. You can either call our toll free number 24 hours 7 days a week at:
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This is a short term small business loan that you can use for any type of expense. You can use it to cover seasonal swings in business, pay a new employee, or open a completely new location. You can even receive funds the same day. Whatever you need for your business, these short term business loans will help you get it.
We offer up to $1,000,000 in funds for business owners. And with interest rates of 12–45%, you can get a better deal than you would with some traditional lenders. As long as you’ve been in business for two months, earn $8,000 or more per month, and have a credit score of 500 or more, you can qualify for one of these loans.
Our terms range from 12–36 months, so you can get the amount and terms that work for you. You can also receive funds within 24 hours directly to your account so you can take care of your business needs quickly.
Businesses have a lot of day-to-day expenses, and that’s what working capital funding is for. Whether it’s covering payroll, stocking your inventory, or taking advantage of a marketing or advertising opportunity, these loans help you with the more mundane expenses of running a business.
Like our term loans, you can get up to $1,000,000 in working capital. You still get the option of terms between 12 and 36 months and interest rates from 9–45%. You’ll need to have two months in business, and at least $10,000 in monthly revenue to qualify. You’ll also need a credit score of 650 or better.
If you meet these qualifications, you can get the funding you need to cover any expense you might come across, from an emergency repair to making sure your stock is full of inventory.
This is a short term small business loan that you can use for any type of expense. You can use it to cover seasonal swings in business, pay a new chef, or open an entirely new location. Whatever you need for your business, these simple term business loans will help you get it.
We offer up to $1,000,000 in funds for restaurant owners. And with interest rates of 5–45%, you can get a better deal than you would with some traditional lenders. As long as you’ve been in business for two months, earn $8,000 or more per month, and have a credit score of 500 or more, you can qualify for one of these loans.
Our terms range from 12–36 months, so you can get the amount and terms that work for you.
Apply for Fast Business Loans!
Work with a direct lender and get fast business loans as fast as the same day. Shield Funding offers competitive rates and terms on all it’s funding programs. Apply now with a trusted lender that has been helping business owners secure working capital for two decades.
The SBA Express Loan is a subset of the U.S. Small Business Administration’s 7(a) loan program, designed to expedite the lending process for small businesses. It offers loans up to $500,000 with a 50% SBA guarantee. Lenders have the authority to use their own documentation and procedures, resulting in faster approvals and funding. Interest rates are negotiated between the lender and borrower but must adhere to SBA maximums. The program also allows for revolving lines of credit with terms up to 10 years. Collateral requirements are flexible; for loans up to $50,000, no collateral is required, while loans over $50,000 follow the lender’s standard collateral policies, ensuring that a loan is not declined solely due to inadequate collateral. This easier approach makes the SBA Express Loan an attractive option for small businesses seeking quick and flexible financing solutions.
American Express offers an Instant Card Number feature, allowing eligible new Card Members to use their card as soon as they are approved. After applying and being approved online, you can receive your card number instantly and add it to digital wallets like Apple Pay™, Google Pay™, Samsung Pay, PayPal, or Amazon Pay. This allows you to start making purchases online or in-store where digital wallets are accepted, even before your physical card arrives by mail. Eligibility for an Instant Card Number depends on American Express’s ability to verify your identity during the application process.
In a nutshell, a fast business loan is a loan from a non-traditional lender like Shield Funding that can make a lending decision in a matter of hours. Then your loan can be funded in a matter of days and sometimes as fast as the same day you apply.
Think you can try this with a bank? With regulations, approval processes, and layers of employees, you’ll be lucky to receive your business funding in weeks. And it may be longer. At Shield Funding we make the process of securing immediate funding fast and easy and you can get started online.
Fast business loans are for short term business needs. All businesses encounter the unexpected. Equipment breakdowns and urgent building repairs require quick access to cash or credit to keep your business up and running. Missing production targets or failing to deliver on time can turn into losses of customers and damaged reputations. These loans can also help your business grow by helping you take on new opportunities you cannot afford with current cash flows. The extra cash will allow you to expand your production levels or broaden service offerings to take on new clients or tackle new markets.
A fast money loan helps by providing the needed funds to address problems, avoid disruptions, and accept new opportunities. Maybe you’re concerned about past credit problems. Perhaps a low credit score is keeping you from obtaining the funds you need. Since private lenders provide private business loans, they can focus on the borrower’s current situation and successes. Have you been able to get a bank to set aside your past problems? A fast business loan is not right for every situation, nor can it solve all your urgent business needs. It is important to have a clear understanding of how this type of business financing can help and how one differs from traditional loan products. Knowing can help you decide if a fast business loan is right for you.
Before applying for a fast business loan, it’s essential to determine exactly why you need the funds. Are you covering urgent payroll, purchasing time-sensitive inventory, managing a sudden cash flow gap, or handling an unexpected expense? Understanding your financial need will help you choose the right loan amount and repayment terms.
Since fast business loans often come with higher interest rates for quick access to capital, it’s important to assess whether the loan will provide a strong return on investment, such as increasing revenue or keeping operations running smoothly. Taking the time to evaluate your needs ensures you borrow responsibly and avoid unnecessary financial strain.
Before committing to a fast business loan, evaluate your business’s cash flow and repayment ability. Review your monthly revenue, expenses, and profit margins to determine what you can realistically afford in loan payments. Since fast business loans often come with higher interest rates or shorter repayment terms, it’s crucial to factor in the total cost of borrowing, including any fees.
Taking on too much debt too quickly can strain your cash flow, while a well-structured loan can provide the capital needed to stabilize operations and drive growth. Ensuring that loan payments fit within your budget will help you avoid financial stress while keeping your business running smoothly.
Fast business loans are ideal when you need quick funding to seize growth opportunities, expand operations, or cover urgent expenses. If you’re landing a big client and need to increase production, upgrade equipment, or hire staff, fast funding can help you keep up with demand. Whether it’s repairing outdated machinery, upgrading technology to stay competitive, or covering payroll for new employees, quick access to cash ensures your business keeps running smoothly.
Every business has different needs, but if you’re looking for speed and flexibility, a fast business loan could be the right solution. Shield Funding offers some of the fastest loans available, with quick approvals and funding in just a few days. Contact us today to find the best fast funding option for your business.
Fast business loans are designed for quick funding, often within 24 hours, with streamlined applications and minimal paperwork. Traditional business loans, on the other hand, involve a longer application and approval process, more documentation, and stricter qualification criteria.
Startups may qualify for fast business loans if they can demonstrate strong personal credit, a solid business plan, or high growth potential. However, some lenders may prefer businesses with a few months of operational history and consistent revenue.
Yes, many fast business loans offer flexible repayment terms ranging from a few months to several years, depending on the loan type and lender. This allows businesses to choose a repayment schedule that aligns with their cash flow.
Timely repayment of fast business loans can positively impact your credit score, as it demonstrates reliability to lenders. However, missed payments or defaults can harm your credit and make it harder to secure future financing.
Fast business loans often come with higher interest rates or fees compared to traditional loans due to the quick approval process and minimal requirements. Rates can range from 10% to 50%, depending on the lender and the borrower’s creditworthiness.
Yes, fast business loans are a great option for seasonal businesses needing to prepare for peak periods or cover off-season expenses. Short-term loans or lines of credit can help bridge the gap during slow months.
