Short-term
Short term business loans deliver lump-sum capital you repay in 18 months or less. Killeen businesses use them to cover payroll gaps, restock inventory before peak season, or bridge the lag between winning a Fort Cavazos contract and receiving the first payment. Marshgate Commercial Capital brokers these deals, matching your situation to lenders who fund fast.
You need cash now. Not next quarter. Short term business funding puts money in your account within days, not weeks, because the underwriting is streamlined and the loan size is typically smaller than multi-year term products.
Short-term
Lenders want six months of operating history, revenue above $10,000 per month, and a credit score in the mid-500s or higher. Killeen retailers on Main Street, HVAC contractors serving Harker Heights subdivisions, and logistics companies shuttling freight between Fort Hood and Temple all qualify if cash flow is steady. Marshgate Commercial Capital reviews your bank statements and receivables, then shops your file to term lenders who specialize in speed. We do not lend directly; we connect you to the funder that fits.
Your business does not need perfect credit. Lenders price risk into the deal, so a 580 score may still unlock capital if your deposits show consistent revenue. The broker process means one application reaches multiple term small business loan sources at once.
Short-term
Killeen businesses deploy short term business finance to solve immediate problems. A food truck on Rancier Avenue needs a new generator before the weekend festival. A janitorial service wins a contract to clean buildings at Fort Cavazos but must buy supplies and hire staff two weeks before the first invoice pays. A dental practice in Nolanville books a surge of patients and cannot wait 60 days for insurance reimbursements.
Short term corporate loans also cover tax bills, legal settlements, or emergency equipment repairs when your line of credit is tapped out. The key is a clear exit plan: you know exactly when revenue will arrive to repay the advance.
How it works
Call (254) 347-4808 or visit our office at 420 E Ave C, Killeen, TX 76541. Bring three months of business bank statements, a driver's license, and a one-paragraph explanation of what you need and when you need it. We submit your profile to our network of term lenders the same day. Most Killeen applicants see term sheets within 48 hours. You pick the offer that balances speed and cost, then the lender wires funds.
We do not charge upfront fees. Our commission comes from the lender at closing, so your only job is to compare the term sheets we bring back. Learn more about our full suite of business financing in Killeen, TX or explore working capital loans and equipment financing if your timeline is more flexible.
Bridge loans
A concrete contractor based in Copperas Cove wins a $120,000 parking-lot job at a new retail center near Clear Creek Road. The general contractor requires net-60 payment terms, but the concrete supplier demands cash on delivery for rebar and ready-mix. The contractor applies through Marshgate for a short term business loan to cover material costs and labor for the first 45 days. Funds arrive in four business days. When the general contractor pays the invoice, the contractor repays the loan in full. No fabricated rates or fees here, just the mechanics of how short term business lending solves a timing gap common to every Fort Hood area contractor.
Check our service areas page to confirm we cover your Killeen corridor, or read about SBA 7(a) loans if you prefer longer amortization.
Serving the Killeen area
We know which lenders fund which kinds of Killeen businesses, and we position your file where it fits.
One local broker, many lenders, and no cost to apply.
Common questions
Talk to a local advisor and get matched to the right program, no obligation.
