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Quick Access to Capital

Short-Term Capital Advances

Get capital fast for short-term needs. Terms of 3 to 18 months with clear repayment schedules. No lengthy application process—apply, get approved, and receive funding from $25,000 to $750,000 in as little as 24 hours.

Step 1 of 3

How much funding do you need?

$25,000$750,000

Applying is free and won't impact your credit score

4hrs
Fastest approval time
$750k
Maximum funding amount
Same Day
Funding available
0
Hard credit checks
Common Use Cases
How Business Owners Use This Funding
Seizing time-sensitive business opportunities
A supplier discount, a new contract, or a one-time deal. When you need to move fast, short-term capital lets you act without waiting weeks for approval.
Managing seasonal cash flow fluctuations
Smooth out the ups and downs of seasonal revenue. Access capital when you need it and repay over a short term that fits your business cycle.
Covering unexpected expenses
Equipment repairs, unexpected taxes, or a sudden opportunity. Short-term advances get you the funds you need without long-term commitment.
How It Works
Three Simple Steps to Get Funded
No branch visits. No weeks of waiting. Just a fast, transparent process built for business owners who value their time.
1. Apply in 2 Minutes
Complete a short online form. No paperwork, no branch appointments, and zero hard credit pull. We will never affect your credit score during the initial application.
APPROVED
2. Same-Day Decision
We evaluate your business revenue and trading history, not just a credit score. Apply before 2pm and receive an offer the same business day.
£
24,500
274,500
3. Funds in Your Account
Accept your offer, and capital arrives in your business account, often within hours. No waiting weeks for bank approvals.
At a Glance
How Elect Capital Compares
We built our funding process around what business owners actually need. Here is how it measures up against traditional lending.
Traditional Lenders
Elect Capital
Approval speed
2 to 6 weeks
Same business day
Collateral required
Typically yes
Never
Hard credit check
Yes, during application
No hard credit pull
Documentation needed
Business plans, projections, years of accounts
Basic details and recent bank statements
Personal guarantee
Usually required
Not required
Funding range
Varies widely
$25,000 to $750,000
Your point of contact
Call centres and rotating staff
Dedicated funding advisor
Eligibility
Who Can Apply?

You don't need perfect credit or property as collateral. If your business is generating consistent revenue and has been trading for at least a year, you're likely eligible.

12+
Months in business
$25k+
Monthly revenue
$750k
Funding available
Funded
£125,000
Restaurant & Hospitality
ManchesterOct 2025
Funded
£85,000
E-commerce & Retail
LondonNov 2025
Funded
£250,000
Manufacturing
BirminghamDec 2025
Funded
£60,000
Healthcare
EdinburghJan 2026
Industries
Industries We Work With
We fund established businesses across a wide range of sectors. If your business generates consistent monthly revenue and has been trading for at least 12 months, we want to hear from you.
FAQ
Common Questions
A short-term capital advance is working capital for quick access with repayment terms typically from 3 to 18 months. It's designed for businesses that need funds fast for short-term needs without long-term debt.
Terms typically range from 3 to 18 months. Repayment schedules are tailored to your business and revenue cycle so you can manage cash flow comfortably.
If you apply before our cutoff time, you can receive an offer the same day. Once you accept, funds are typically transferred within hours. Many businesses are funded within 24–48 hours.
Established businesses with consistent revenue are typically eligible. You generally need at least 12 months of trading history and a minimum of $25,000 in monthly revenue. We fund a wide range of industries.
Elect Capital does not perform a hard credit check during the initial application process. You can apply and receive an offer without impact on your personal or business credit file.
We offer short-term capital advances from $25,000 to $750,000. The amount you qualify for depends on your business revenue, cash flow, and trading history.
No. Short-term capital advances from Elect Capital are unsecured. No property, equipment, or other assets are required as security.
Yes. Many Elect Capital clients return for additional funding as their business grows. Once you have an established relationship with us, subsequent applications are typically even faster.
The Elect Difference
Why Business Owners Trust Elect
We're not a bank. We're not a broker. We're a dedicated funding platform built from the ground up to serve businesses with speed, transparency, and a human touch.
Transparency
Clear terms, no hidden fees, and open communication at every step. You'll always know exactly what you're signing up for before you commit.
Innovation
We use revenue data and cash flow analysis, not outdated credit models, to make funding decisions. Smarter underwriting means faster approvals.
Empowerment
Our team works directly with you. No call centres, no being passed between departments. One advisor, one relationship, one goal: getting you funded.
Work directly with Elect Capital. No matter your goal, our in-house funding advisors can help you find the right financing solution. No middleman, no delays.
Get Started
Choose Elect.
Choose Growth.
Capital that moves as fast as you do. One click away from the next opportunity.
Apply NowPartner With Us
Elect Capital
info@electcapital.com+1 (437) 837-2406

12000 Biscayne Blvd
Miami, FL 33181

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Elect Capital provides business funding solutions for US businesses. Product availability, underwriting criteria, and terms vary by state and applicant profile. We may pay commission to introducers or referral partners where permitted by applicable law.

Elect Capital provides financing solutions to United States SMEs, operating transparently in accordance with applicable laws and regulations.

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