Short-Term Loans

Use short-term business loans for big goals.
Overcome obstacles and succeed!

Short-Term Loans

Seize Opportunities
With Speed and Ease:
Your Fast Track to Success!
Short-Term Loans

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Maximum transparency in loan process.

BitX Capital is a financial company that offers short-term business loans to small and medium-sized businesses. These loans are intended to provide companies with a small amount of capital to meet their immediate financial needs. The terms of these loans are generally twenty-four months or less, and the application process is typically faster and simpler than for long-term loans. Interest rates for short-term loans may be higher than for long-term loans, but they can be a useful financial tool for businesses facing temporary cash flow issues or unexpected expenses.

Maximum Loan Amount
$5k – $500K

Loan Term
3 – 24 months

Interest Rates
Cents on the Dollar

As fast as 24 hours

How do I qualify for a short-term business loan?

If you are a small business owner or have limited loan options, then short term loans are the easiest way to fund your business.


  • 6 months in business 
  • > $10K in monthly deposits 
  • > 500 in personal FICO 
  • Business Checking Account

Loan Benefits:

  • Funding as fast as 24 hours
  • Terms up to 24 months
  • Borrow up to $500k 
  • Choose from a pool of lenders 

Short-Term Business Loans, easy path to seize an opportunity

As a small business owner, you’re intimately acquainted with the challenges of managing cash flow, particularly in times of emergencies or when dealing with payroll responsibilities. These situations can impede the growth and stability of your business. However, the remedy lies in leveraging short-term business loans, an effective solution for addressing cash flow gaps. By swiftly obtaining funds through this avenue, you can adeptly tackle cash flow challenges, ensuring you possess the requisite resources to handle emergencies and fulfill payroll obligations. This empowerment enables you to capitalize on opportunities that arise, facilitated by a streamlined application process that simplifies the financial support your business requires.

Additionally, factors such as annual revenue, credit history, credit score, and time in business play crucial roles when applying for short-term business loans. It’s important to weigh the pros and cons, considering elements like higher interest rates, origination fees, and the option of lump sums or business lines of credit. Common types of short-term business loan options include invoice factoring and merchant cash advances. Being informed about your FICO score and the potential drawbacks of short-term business loans allows you to make informed decisions about applying for financial support tailored to the needs of small business owners.

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Why Bitx

Funded! making an impact
$ 2 + Million
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How To: The BitX Process

BitX highly values the small business community and ensures that you have a quick, easy, fast and frictionless approach to getting the right loan for your needs. Our value proposition is we offer customized services through a large loan marketplace.

A large number of loan options to suit your needs.

An extensive network of lenders for you to choose from.

Various kinds of short term, mid term, and long term loans.

Personal and commercial loans

A lifetime connection with our customers that’s built on trust.

A rigorous internal process so you can leave the loan searching to us and focus on what truly matters to you.

Businesses that are ready to make sacrifices to achieve their goals.

At BitX Capital, we believe in the power of ambition. Our platform is designed to help ambitious individuals and businesses turn their ideas into reality. We believe that with the right resources and support, anyone can achieve their goals and make a positive impact in the world. By providing access to funding and expert guidance, we empower our customers to pursue their dreams and make their ambitions a reality. Join us and let your ambition drive you to success.

BitX is bonded and insured

We are backed by cybersecurity, protecting you against any mishap. You can trust us with your data; we’ve got it encrypted.

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BitX comes from experience

The staff assisting you throughout is well-trained and grounded in the best banking practices. BitX has, after all, emerged from problems as a solution.

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Small business loan specialists are available 6 days a week

Contact us today to speak with a representative to help you with your business’s needs.

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Quickly Compare Loan Offers from Multiple vendor

Applying is for free won’t impact your credit

Talk to a rep at 203-763-1430
Mon-Sat 8am – 6pm EST

Frequently Asked Questions

Short-term loans finance small businesses who need money quickly with less paperwork. Small businesses and startups with a minimum of 500 > credit score and in business six months > qualify and should apply for a short-term loan.  A few reasons for getting a short term loan are vehicle repair (truck, trailer, taxi), buying equipment for your clinic, restarting your business, etc.

BitX also supports industries that are generally rejected or accepted by banks, such as cannabis, restaurants, landscapers, transportation services, healthcare, and clothing among others. We accommodate businesses across all industries that want to expand or reboot after a setback. Mostly, regular cash flow and personal credit are checked to see if a business qualifies for a short-term loan.

BitX does not lend to industries that manufacture or promote weapons, pornography, and gambling. We also do not sell to individuals who want to expand their lending business or are a current lender.

Processing short-term loans surprisingly takes a very little amount of time. Your short-term loan can be processed in as less than 24 hours with minimal underwriting.

Short-term financing is a great option for those with a low credit score and less wait time, as businesses need to produce very few documents due to the short processing window of the loan. However, the cost of capital is higher, so the return period is short. You will need to return the money fast and it can be expensive.

Most short term loans are twelve-month terms or less and the cost of capital is simple interest. Since this is technically an advance and not a loan, you pay by cents on the dollar. So if you borrow $100 at 12 cents on the dollar over 3 to 24 months, you will pay back 112 dollars.

You can get fast funding with short term loans from $5k up to $500k under a short period of time and with minimal paperwork.

Our Headquarters is in Fairfield, CT. We operate remotely all over the US, with special emphasis on short-term loans across the states of California, Texas, Florida, Georgia, Connecticut, New York, Colorado, and Washington. So if you need us, we are near you!