Short Term Financing Solutions | Newport Capital Funding

At Newport Capital Funding, we specialize in providing fast and flexible short term financing options designed to meet immediate business needs. Whether you require quick access to cash for operational expenses, inventory purchases, payroll, or unexpected opportunities, our financing solutions can help you maintain cash flow and keep your business moving forward.

Unlike traditional loans that can take weeks or months to process, our short term funding options offer quick approvals and rapid funding, so you can respond to financial challenges without delays. These solutions are ideal for businesses looking for bridge capital, seasonal cash flow support, or urgent working capital.

Why Choose Short Term Financing?

Short term funding options are ideal for:

• Covering seasonal expenses during peak business months
• Managing emergency repairs or inventory shortages
• Taking advantage of limited-time supplier discounts
• Supporting payroll during temporary cash flow gaps

Key Benefits of Short Term Financing

• Fast Approval & Funding – Get funded within days, not weeks.
• Flexible Terms – Customized repayment schedules to match your cash flow.
• Minimal Paperwork – A simplified application process designed for speed.
• No Hidden Fees – Transparent rates and terms you can trust.

Real-World Scenario:

Imagine this: A small retail store has a surge in customer demand before the holiday season but is short on inventory. Instead of losing sales, they use short term financing to stock up. The store repays the loan within three months from the holiday profits, keeping customers happy and boosting revenue.

Quick Case Study

Example: A retail store faced a sudden opportunity to buy bulk seasonal inventory at a 30% discount. Using a $25,000 short term loan, they increased holiday revenue by 40%, repaid the loan in 6 months, and boosted overall profitability.

Benefits of Short Term Financing

• Quick Access to Capital – Funds can be disbursed within 24–72 hours after approval.
• Flexibility – Perfect for short term projects, emergency expenses, or bridging cash flow gaps.
• Improved Cash Flow – Keep operations running smoothly without draining reserves.

Tips to Maximize Short Term Financing

• Plan Your Repayment – Choose a repayment structure that aligns with your revenue cycle.
• Avoid Over-Borrowing – Only borrow what you need to avoid unnecessary interest.
• Check the Total Cost – Understand fees, interest rates, and prepayment options before committing.
• Build a Cushion – If possible, keep a small reserve to handle surprise expenses during repayment.

How to Qualify for Short Term Financing

Most lenders have simpler requirements than traditional banks. Here’s what they usually look for:

• Time in Business: At least 6 months of operations.
• Revenue: Steady monthly revenue (often $10,000 or more).
• Credit Score: A minimum credit score of 550–600 in most cases.
• Bank Statements: Usually 3–6 months of statements to show cash flow.
• Collateral: Many short term financing options are unsecured, meaning no collateral is required.

Best Uses for Short Term Loans

• Seasonal inventory purchases
• Payroll during slow months
• Equipment repair or upgrade
• Emergency cash needs

Quick Quiz: Is Short Term Financing Right for You?

Answer these 3 quick questions:

1. Do you need funds for less than 24 months?
2. Is your business generating consistent revenue?
3. Do you need fast approval and funding?

If you answered YES to 2 or more, short term financing might be your perfect solution!

Frequently Asked Questions

Contact Us

Looking for fast, flexible funding? Get your short term financing approved in as little as 24 hours!
Call us today at (949) 230-1613.