The $30,000 Business Loan
One rung above 25k — enough to hire, buy inventory, or cover a slow month. Approved on your bank deposits, funded in as little as 24 hours, soft-pull to check.
Check Your Rate — No Credit ImpactSee how much your business qualifies for
$10K to $5M in business funding — approved on your revenue, funded as fast as 24 hours. All credit 500+. No collateral for working capital.
- ✓ 500+ credit
- ✓ 6+ months open
- ✓ $10K+/mo revenue
Apply Now — Get Funded in 24 Hours
Start your application in about a minute. A real decision fast — soft credit pull, no obligation.
START MY APPLICATION →🔒 Soft credit pull · will not affect your credit score
You need $30,000, and you needed it a week ago
Maybe a big order came in and you have to buy the materials before you can fulfill it. Maybe payroll and a slow month landed in the same week. Maybe your equipment died and "wait for the bank" isn't an answer your business can afford. $30,000 is real money — enough to actually move — but it's the exact amount most banks treat as too small to bother with and too big to rubber-stamp. So they park you in underwriting for three weeks and then ask for two years of tax returns and a 680 FICO.
We look at something simpler and more honest: what your business actually deposits. If the revenue is there, you qualify — even if your credit isn't perfect and even if last year's paperwork is a mess.
How a $30,000 business loan works here
- Step 1 — Apply in a few minutes. Short online application at /pages/apply.html. Checking your offer is a soft pull only — it does not touch your credit score.
- Step 2 — Send 3 months of bank statements. We approve on your deposits, not your credit report. FICO 500+ is fine, and no collateral is required for working capital.
- Step 3 — Sign and get funded. Once you're approved and signed, $30,000 can hit your account in as little as 24 hours.
A real $30,000 example
A business doing ~$40,000 a month in deposits takes $30,000 over 9 months. That's roughly $155 a business day set aside from revenue you're already collecting — sized to the sales you already make, not a number that strangles cash flow.
Approved on deposits
Consistent revenue is what gets you funded. A 540 FICO with steady deposits beats a 720 with a thin, choppy account. Past bankruptcy or a few late payments won't automatically kill the deal.
Who qualifies
6+ months in business, roughly $15,000+ in monthly deposits, and a business bank account. Nearly every industry — trucking, retail, restaurants, contractors, salons, medical, e-commerce, services.
The honest speed rule
Statements in and signed before early afternoon ET on a weekday? Same-day funding is on the table. Get it done Friday afternoon and you're looking at Monday. We won't promise "instant" — we'll tell you the truth.
Straight answers
Can I get a $30,000 business loan with bad credit?
Yes. We approve on your bank deposits, not your credit score. FICO 500+ can qualify. The soft-pull check to see your offer won't lower your score.
How fast can I actually get the $30,000?
As little as 24 hours. If your statements are in and the agreement is signed before early afternoon ET on a weekday, same-day funding is possible. Friday afternoon signings typically fund Monday.
What do I need to apply?
The last 3 months of business bank statements, 6+ months in business, and roughly $15,000+ in monthly deposits. No tax returns and no collateral required for working capital.
Will checking hurt my credit?
No. Seeing your offer is a soft pull only. Nothing changes on your credit report just for finding out what you qualify for.
What can I use the $30,000 for?
Anything the business needs — inventory, payroll, equipment, marketing, filling a big order, covering a slow stretch, or consolidating more expensive debt. It's working capital; you decide.
How much will it cost?
Your exact terms depend on your deposits and time in business. You'll see the real payment and payback before you sign — no surprises, no fine-print games.
Ready when you are
If the revenue is there, the $30,000 is there. Send three months of statements, and if you're signed before early afternoon ET on a weekday it can fund the same day. Apply now — soft pull, no hit to your credit, straight answer fast.
Ready to Fund Your Business?
Join 1,000+ businesses that trusted Quick Biz Capital. Apply now and get a decision within hours.