- Fast business loans can be approved and funded in as little as 24 hours.
- Traditional banks often take days or weeks due to paperwork and internal checks.
- Low-doc and no-doc loans streamline approvals for quicker access to funds.
- Clear financials, accurate borrowing amounts, and responsive communication speed up applications.
- Valiant helps match your business to the right lender, balancing speed with suitability.
A lot of business owners ask us, “Can I get cash quickly if something urgent comes up?”
The short answer is yes, you can. The longer answer? It depends on who you go to, how prepared you are, and what type of loan you’re applying for.
If you’re here, chances are that something’s moving in your business. You know you need funding but are still weighing up your options and wondering how fast “fast” truly is. Let’s flesh this out.
Why speed matters in business finance
At Valiant, we speak to business owners who need funding for all sorts of reasons:
- A supplier is offering a limited-time bulk discount
- A bigger contract requires upfront materials
- An essential piece of equipment has broken down
- A seasonal spike means casual staff is needed
- A client hasn’t paid an invoice on time, and cash flow is tight
In each of these scenarios, waiting weeks for approval can cost you revenue and momentum.
The difference between funding in 24 hours versus, say, 3 weeks can literally determine whether you can jump on an opportunity or have to let it go.
This is why timing is such a powerful leverage in business, and why knowing your potential funding timeline is key before committing to any loan.
Common delays with traditional banks
When you go straight to a bank, the process can be quite thorough, and even strong businesses can find themselves stuck in a queue.
Typical delays come from:
- Extensive paperwork requirements
- Multiple internal credit checks
- Back-and-forth requests for extra info
- Manual approval processes
As a result, approvals can take days, sometimes even weeks. Meanwhile, that golden opportunity slips through your fingers. Or a crucial bit of equipment breaks down, and suddenly you’re stuck playing catch-up.
This isn’t to say that banks are “bad”, but they’re structured for lower risk and longer assessment cycles. And when you need funding ASAP, their timelines may not align with your reality.
How Valiant helps you get funds fast
Speed in business lending usually comes down to one thing: options.
That’s why we work with 90+ lenders, so we can line up thousands of loan options across different sectors and risk profiles until we find the one that fits your business like a glove.
Once approved, funds can hit your account in as little as 24 hours. How?
- Applications are matched to suitable lenders upfront
- Paperwork requirements can be streamlined
- Low-doc and no-doc loan options reduce friction
Balancing speed with safety
This all sounds great, but we know what you might be thinking… “Does getting money fast mean I’m taking on more risk?”
Rushing into a loan can be risky. The truth is that some lenders can sometimes hide costs or impose strict repayment terms that can catch you off guard.
That said, fast funding shouldn’t – and doesn’t have to – mean nasty surprises. Not with Valiant, anyway. We value suitability just as much as speed and make sure your loan:
- Matches your cash flow cycle
- Comes with transparent terms you understand fully
- Clearly outlines total costs
- Supports your growth and business goals
How to get a business loan faster
Even with fast lenders, being unprepared can drag out the process. So, how can you put yourself in the best position to get approved – and get approved quickly?
Know your numbers
Unclear borrowing amounts and vague purposes slow everything down. So before applying, be clear on:
- How much you need
- What you’ll use the funds for
- What you can comfortably afford in repayments
- How quickly the loan will generate value in your business
Think about it, which one sounds better:
- “I need money to buy some equipment for my business”
OR
- “I need $80k to purchase equipment that will increase production by 30%, and I can comfortably manage $X per week in repayments”?
Have your documents ready to go
Even with low-doc or no-doc loans, there’s still some paperwork involved. Typically, lenders ask for:
- Proof of ID
- Basic business details (ABN, trading history, structure)
- The last 3–6 months of business bank statements
- Tax and cash flow statements
- Balance sheets
Keeping your financials tidy and up-to-date is smart anyway, but especially if you’ll need funding soon. It means lenders don’t have to chase missing information, and you won’t have to scramble around gathering docs while running your business.
Be responsive during the application process
This one might sound obvious, but it’s still worth mentioning: fast approvals rely on fast communication.
If a lender comes back with a clarification request and it takes 3 days to respond, your “24-hour approval” can easily turn into a week-long wait.
When both sides move quickly and respond promptly, deals get done quickly.
Strengthen your cash flow profile
Lenders want confidence that your business can comfortably manage repayments. That means they’ll look at metrics like revenue consistency, average monthly turnover, and any large irregular withdrawals.
If these numbers look off, lenders may hesitate, slowing down the process or limiting loan options.
Planning ahead gives you a chance to improve your profile by:
- Reducing unnecessary large withdrawals
- Ensuring revenue flows through one primary account
- Avoiding excessive unpaid direct debits
Now, we understand that keeping track of all these details while running a business is a lot to juggle. And that’s exactly where Valiant really comes in. We’ll guide you through what lenders will be looking for, help you organise your paperwork efficiently, and make sure your application is presented in the best possible way.
Leaning on our expertise will save you time and headaches and give you the best chance of quick approval without having to figure it all out alone.
Get a quote today and see how quickly your business could access the funds it needs.
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