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When your business doesn't qualify for a line of credit from a bank, you might still have success in obtaining money from then in the form of a one-time, short-term loan (less than a year) to finance your temporary working capital needs. If you've established a good banking relationship with a banker, he or she might be willing to provide a short-term note for one order or for a seasonal inventory and/or accounts receivable buildup.
Most short-term loans are often repaid much more quickly than that, often within 90-120 days. Term loans with short maturities can help you meet an immediate need for financing without requiring you to make a long term commitment.