Need capital in 2 weeks? Don’t go to a bank.

Randall Richards

— 1 min read

Let me start here: SBA loans and traditional bank funding are fantastic options for the right business owner.

But if you need capital in two weeks or less, they’re usually the wrong lane.

Here’s why:

SBA / Bank Funding = time + paperwork + strict filters

  • A full SBA package can take 8–10+ weeks (sometimes longer) between paperwork, underwriting, and back-and-forth.

  • You’ll typically need clean financials, and in many cases profit shown on tax returns.

  • SBA and banks often want to see liquidity/cash reserves, and larger loans usually come with “show me the money” requirements (cash in the bank or assets).

That’s not bad. It’s just how banks work.

But if speed matters, we have two unsecured options built for that:

1) Working Capital (fast + flexible)
If you have revenue coming in (even if your credit isn’t perfect), this can be a strong option.

  • Decisions can happen fast

  • Minimal paperwork compared to SBA

  • Unsecured

2) 0% Business Credit Card Program (bank product, without the bank timeline)
If you want a bank-style product but don’t have 8–10 weeks to sit in limbo, this is one of the best plays:

  • Up to $250,000 in business credit cards

  • 0% introductory rate for up to 12 months

  • Unsecured

  • Much faster than the traditional SBA path

If you’re exploring either program, we can absolutely help you map the best route and get you moving quickly.

Reply “READY” and I’ll tell you which option fits best — or click the link below to book a time with our team.

Book your call here

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