Checking eligibility only takes minutes and will not affect your credit score.

    24 HOURS
Is your business eligible for funding?

Our mission is simple – we help businesses achieve their goals by making access to funding fast and uncomplicated.
See if your business matches our criteria:

Time in Business

At least 6 months

Yearly Revenue


Credit Score

520+ FICO Score

Ready to apply? See if you’re eligible.

Pay Only For What You Use, With No Hidden Costs Or Prepayment Penalties

As a small business owner, you require flexibility. Streamline revolving business credit gives you the flexibility to draw the working capital that you need, when you need it. You pay only for the money that you use, with no hidden costs or prepayment penalties. Running a small business is hard. Getting access to the working capital you need is easy.


Fast & Transparent Funding With Innovation & Reliability

Funded to Businesses

$400 Million

Since its inception in 2009, Fast Capital 360 has funded more than $400 million to thousands of businesses across the United States, in hundreds of different industries.

Average Approval Time

60 Minutes

Thanks to a cutting-edge, paperless pre-application process, Fast Capital 360 is able to approve most programs in less than an hour.

Customer Reviews


We've listened to small business owners and given them what they need.

Satisfaction Rating


We put our customers first, and own a 98% satisfaction rating. Check out our reviews on TrustPilot.

Loyal Personal Advisors

Expertly Trained

Loyal personal advisors focused on the most efficient way to help grow your business from start to finish. Anytime.

Your Time is Money

We Value Your Time

We value that. Our process is fast and our advisors are always accessible, ready, and responsive.

Multiple Options

Flexible Funds

One place, multiple options for inventory, expansion, equipment, working capital and more.

Advanced Bank-Grade Security

Data Security

We use the most advanced bank-grade security to connect to view your business accounts. We never capture or store your personal information.

Getting started is fast, easy, and won’t impact your credit score.

Instant Business Financing: Your Way Forward

Taking your business to the next level requires a few things: hard work, ingenuity, determination and the cash flow to make your vision a reality. That’s why our funding options are aimed to be as business friendly as possible.

You guide the funding, we provide it. Simple. Quick. Transparent.

In the rapidly-changing world of commerce, businesses require solutions that move just as fast as the economy they are a part of. Cash flow loans shouldn’t require waiting months; they should enable owners and operators to get the job done as soon as they can.

Traditional approaches to small business loans require six-month waiting periods, excellent credit history and filling out dozens of pages of paperwork. Bank loans are often reserved for those with excellent credit, plenty of collateral and the luxury of being able to wait months for approval. Traditional lenders make their process time-consuming and complex, with multiple identity checks and proofs of ownership. Our business financing method is different.

Fast Capital 360 gives you the online business funding you need in days, not weeks or months. We’ve built our business funding company around the idea that you shouldn’t have to wait, you should be able to receive your cash flow quickly.

Since 2009, our instant small business financing services have enabled thousands of companies to realize their fullest potential. We believe in the power of the local economy, and we want to influence it to do great things; that’s why we work with small business owners across the country.  Our instant business financing helps fuel innovation from coast to coast.

Small business loans are used for a variety of reasons from payroll funding to equipment financing. Businesses looking to expand and grow often seek the assistance of fast capital loans. Whether you’re searching for SBA loans or unsecured funding, we’re here to provide you with the funds you need. This is online business funding made easy.

  • How fast is fast?

    Just a few minutes stand between you and knowing how much funding your business qualifies for. Your small business funds can arrive in your bank account in as little as one business day. No collateral required.

    The average online application process takes just a couple minutes and includes less than 30 questions. Once your financing program is approved, your working capital funding can arrive by the end of the next business day.

  • We keep things quick & easy.

    There are no long clauses to wade through, no complicated terms and conditions, just plain language that clearly defines what you’re getting in a fast approval business funding. Fast Capital 360 is a member of the Responsible Business Lending Coalition; we were founded on the principles of lending fairness and transparency. We aren’t here to put you in debt; we’re here to fund the American dream.

  • Qualifications?

    To qualify for instant funding, your small business needs to have been in operation for more than nine months, have a revenue of at least $150,000 annually, and you need to have a personal credit score of 500 or more. Our quick business lending is unsecured, unlike traditional funders who require you to pledge personal assets or collateral just to receive a loan.

Get Your Business Funded Today

We designed our process around getting small businesses the money they need quickly. Fast is in our name for a reason. Our application takes next to no time so you can get back to doing what you do best — running your business.

The process of receiving funding for your expansion, your repairs, your staffing or your vision shouldn’t make running your business any more difficult. This is instant business funding without the hassle. We want you to have your money quick; you probably have better things to do than wait around for an approval letter.

There are an abundance of financing options available to small businesses, from microloans to revolving credit lines. Our funding options are not to be confused with these loans but do function in a similar fashion. We offer a wide variety of financing options, and businesses who are having trouble qualifying for a working capital loan might find our cash advances a refreshing change.

Whether you have questions about receiving instant restaurant funding or your current working capital funding, our small business advisors are standing by six days a week to help.

Business factoring services allow you to know the exact amount you’ll pay and make our funding work even faster. Through our proprietary business analysis, we determine a precise factor rate that is included in our financing program. This business factor rate isn’t usually included in fast approval loans, but it is with our funding. Where banks charge interest rates with their loans, our business factoring services clearly outline how much is to be included in each payment from the start to the finish of the term.

Rather than taking out another credit card, our online business lending services allows you a safer alternative that provides you with more accessible business cash and less likelihood of accruing debt. Better than the banks, our commercial financing programs get business owners the money they need faster than anyone else.

Online Business Loans

Unlike traditional loans, our funding programs do not require you to pledge personal assets to receive flexible financing alternatives to small business loans. As an online funding source, we look at your financial picture a bit differently. We are able to look at more types of data, which allows us to lower the bar in a category or two if the applicant ranks highly in another area.

As a business funding company, Fast Capital 360 has funded thousands of small businesses across the country, providing online funding to more than 300 companies per month looking for better funding alternatives to small business loans. When we were founded in 2009, we saw how the big banks treated small and medium-size businesses, saddling them with long application processes and unnecessarily long waits for approval. We knew we could and would do better than the major financial institutions. As one of the first alternative business funding companies, we’ve never lost sight of that goal.

Today, Fast Capital 360 has been rated the number one resource for online small business funding and has been the subject of hundreds of positive testimonials across numerous platforms.

At Fast Capital 360 You Can Expect:

  • An application for small business funding that is quick, easy, safe, and secure. It will only take you a few minutes to complete.
  • A one-page application. Unlike traditional bank financing and SBA loans, we don’t require endless paperwork.
  • Terms and conditions that are clear and easy to understand. As a member of the Responsible Business Lending Coalition, we’ve committed ourselves to transparent financing practices.
  • A quick response regarding our funding decision. Many applicants receive their decision in just 60 minutes, a far cry from the lengthy process of banks loans.
  • In comparison to traditional loans, our wire-transfer funding gives us the ability provide access to SBA loans and supply funds immediately following approval.  
  • Funding amounts from $5,000 to $2 million. No matter what size your project is, we can provide the funds to make it a reality.

A quick business funding solution that encompasses every need? That’s Fast Capital 360.

Talk To A Real Person

For more information on why Fast Capital 360 is the best choice for shaping your business into what you know it can be and other online business loan questions, call us today at 800-735-6107 or contact us online.

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