Short-Term Loans
When time is tight and cash is needed fast, short-term loans provide a quick injection of capital to keep your business moving. Whether you’re covering a VAT bill, tax bill, managing seasonal pressures, or handling an unexpected cost, this type of funding is built to tackle immediate challenges without tying you into a long-term commitment.
Short-term loans offer fixed, fast access to working capital — typically over 3 to 12 months — and can be used however your business needs.
Funding for Short-Term Needs
Every business faces short-term pressures — whether it’s an urgent supplier payment, a looming VAT or corporation tax bill, or the chance to seize a time-sensitive opportunity. These moments can strain your cash flow and stall momentum if not handled quickly.
A short-term loan offers a fast, flexible way to manage immediate obligations without compromising your long-term plans. With fixed monthly repayments over a few months, you can stay on top of your financial responsibilities while preserving control of your budget.
Want to understand more about how this type of funding supports cashflow? Read our article: The role of working capital finance for SMEs. At Origin, we’ll help you bridge the gap and keep your business moving forward — with confidence, not compromise.
Are high upfront costs pricing your business out of Short-Term Loans? Distributing payments over a period of time could help significantly.
How Does a Short-Term Loan Work?
Short-term loans sit within our wider Business Loan range and are ideal for covering temporary funding needs — such as bridging cash flow gaps, covering unexpected expenses, or managing seasonal demand. These loans are typically unsecured, come with flexible repayment terms, and offer rapid decisions. Where eligible, they can also be supported by the Government-backed Growth Guarantee Scheme for added reassurance.
Once you’re ready, your dedicated Account Manager will assess your requirement, compare lenders, and guide you through each step to offer. In many cases, funds can be approved within 24 hours and released within 48 hours of acceptance.
You can also explore our helpful tools to support your decision-making — including our repayment calculators to estimate monthly costs and our eligibility checker for a fast, commitment-free assessment.
Short-Term Loan Key Points
Funding from £10,000 to £2,000,000 over 3 to 12 months.
Use for unexpected costs, VAT bill, tax bills, supplier payments, or bridging gaps.
Fixed monthly repayments with fast approvals.
Settle early or make overpayments at any time.
Origin are a finance broker and we will pair you with the most suitable lender on our panel.
Short-Term Loans FAQs
Am I eligible for a short-term loan?
Can I repay the loan early?
Do I need to offer security?
How fast can I get the funds?
How much can I borrow?
What can a short-term loan be used for?
What different finance solutions does Origin offer?
What’s the difference between a short-term loan and a business loan?
