Fixed payments, a clear payoff date, and a total cost you know from day one — so you can plan your growth with confidence.
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A short-term business loan gives your company a lump sum of working capital that you repay over a set period. Payments are fixed and scheduled, so you always know exactly what's due and when your loan will be paid off.
Unlike revenue-based financing, where payments rise and fall with your sales, a short-term loan keeps the same payment amount throughout the term. That makes it a strong fit for businesses with steady revenue that want simple, predictable budgeting.
Because the term is short, you pay less total cost of capital than a long-term loan of the same size — and you're free of the debt sooner, ready for your next opportunity.
Both programs get capital into your business quickly. The difference is how you repay it.
| Short-Term Loan | Revenue-Based Financing | |
|---|---|---|
| Structure | Business loan | Purchase of future receivables |
| Payments | Fixed amount on a set schedule | Percentage of revenue — varies with sales |
| Term | Defined payoff date | No fixed term; ends when the purchased amount is delivered |
| Best for | Steady, predictable revenue | Seasonal or fluctuating revenue |
| Equity given up | None | None |
Not sure which is right for you? Learn about revenue-based financing or ask our team.
When an opportunity or need has a clear payoff, a short-term loan lets you act now and repay on a schedule that matches the return.
Buy in bulk, capture supplier discounts, and get ready for your busy season before it arrives.
Replace or upgrade equipment and handle unexpected repairs without draining your operating cash.
Cover payroll, rent, and vendors while you wait on slow-paying customers or large receivables.
Say yes to a new contract or expansion and fund the upfront costs before the revenue comes in.
A short-term loan tends to be a great match if your business:
Additional documents may be requested depending on the amount and term.
Tell us about your business and what you need the funds for. It only takes a few minutes.
Our underwriting team reviews your revenue, operations, and goals to structure the right term.
Get a clear offer with your amount, term, payment, and total cost — no surprises.
Once you sign, funds are sent directly to your business bank account.
Payments are fixed and collected automatically from your business bank account on a set schedule, so you always know exactly what to expect.
Early payoff options may be available depending on your agreement. Your offer will spell out exactly how early payoff works before you sign.
Collateral and guaranty requirements depend on the size and structure of the loan. Our team will walk you through any requirements up front.
A short-term loan has a fixed payment and a defined term. A merchant cash advance (revenue-based financing) is a purchase of future receivables repaid as a percentage of your sales, so payments move up and down with your revenue.
Our streamlined process is built for speed. Once your file is complete and approved, funds are disbursed promptly after you sign your agreement.
Apply in minutes or speak with a funding specialist at 877-225-3668.
Apply Now Call 877-225-3668Not available in all states. All loans are subject to credit review and approval. Loans are for business purposes only. Terms, rates, and availability vary by business profile and state.
Lender Information:
BHB722 Inc dba BHB FUNDING
Mailing Address: 10 W BROADWAY, SALT LAKE CITY, UT 84101
Utah-DFI Commercial Financing (NMLS ID 2526861)
