
The Pros and Cons of Short-Term Business Financing
Short-term business financing offers fast access to capital for cash flow gaps, emergencies, or growth opportunities, typically with repayment terms under 12 months. Options like Merchant Cash Advances, Business Lines of Credit, and Invoice Factoring each have unique benefits—such as speed or flexibility—but come with trade-offs like higher costs, frequent payments, or reliance on customer credit. Choosing the right solution depends on your revenue consistency, credit strength, and cash flow management.