1. Merchant Cash Advance (MCA): An MCA is a type of financing in which a business borrows money and repays it through a percentage of its daily credit card sales. MCAs have a faster application and funding process than traditional business loans, making them a good option if you need funds quickly.
2. Invoice Financing: Invoice financing allows a business to borrow money against unpaid invoices. This can be a quick and easy way to get funding if you have customers who pay their invoices slowly.
3. Line of Credit: A line of credit is a pre-approved loan that you can draw on as needed. This can be a good option if you need funds quickly, but it is important to note that the funds must be repaid in a short period of time.
4. Crowdfunding: Crowdfunding is a way to raise money from a large number of people, usually via the internet. This can be a fast and easy way to get funding, but it requires a good marketing strategy and a large network of potential investors.
5. Personal Loans: If you have good credit, you can consider taking out a personal loan to fund your business. This can be a quick and easy way to get funding, but it’s important to note that the funds will be considered a personal debt, and it may be harder to qualify than a business loan.

The fastest way to get small business financing will depend on your specific needs and circumstances, but some options that are typically faster than others include:

1. Merchant Cash Advance (MCA): An MCA is a type of financing in which a business borrows money and repays it through a portion of its daily or weekly sales. MCAs have a faster application and funding process than traditional business loans, making them a good option if you need funds quickly.
2. Invoice Financing: Invoice financing allows a business to borrow money against unpaid invoices. This can be a quick and easy way to get funding if you have customers who pay their invoices slowly.
3. Line of Credit: A line of credit is a pre-approved loan that you can draw on as needed. This can be a good option if you need funds quickly, but it is important to note that the funds must be repaid in a short period of time.
4. Online Lenders: Many online lenders offer small business loans with a faster application and funding process compared to traditional banks. However, it’s important to be aware that the interest rates and fees may be higher than a traditional loan.
5. Personal Loans: If you have good credit, you can consider taking out a personal loan to fund your business. This can be a quick and easy way to get funding, but it’s important to note that the funds will be considered a personal debt, and it may be harder to qualify than a business loan.

There are several ways that your business can get financing without collateral:

1. Unsecured Loans: Unsecured loans are loans that don’t require collateral. These loans are typically offered by banks and other financial institutions, and the interest rates can vary widely. However, unsecured loans may require a good credit score and a strong financial history and take time and documentation to get approved.
2. Business Credit Cards: Business credit cards are a good option for small businesses that need financing without collateral. They offer a revolving line of credit, and you only need to make the minimum monthly payment. However, business credit cards tend to have higher interest rates than traditional loans.
3. Sales or Revenue Based Financing: Invoice based or revenue-based financing or a merchant cash advance represent a way to borrow money against your outstanding invoices or steady business revenues.  This type of funding can be secured faster with limited paperwork and lower credit scores, but could be more expensive than a loan.
4. Grants: Grants are a type of financing that doesn’t require repayment. There are many organizations that offer grants to small businesses, especially those that focus on specific industries or geographic regions. However, the application process for grants can be competitive and time-consuming.

It’s important to note that even if you don’t have collateral, lenders will still evaluate your creditworthiness and financial history before extending credit. Make sure you have a solid business plan and financial projections to demonstrate your ability to repay any loans or credit lines you receive.

Revenue-based financing (RBF) offers several advantages for startups and small businesses with steady or growing revenues, including eliminating the need for collateral and extensive financial paperwork as well as much quicker approvals

1. Flexibility: This type of financing is not as rigid as traditional lending, and allows businesses to repay the loan based on their revenue.
2. Quick access to capital: Revenue-based financing can be obtained quickly, as it typically does not require the same level of documentation and creditworthiness as traditional lending.
3. No equity dilution: With revenue-based financing, the business owner does not need to give up equity in the company, unlike with venture capital or angel investing.
4. Aligns incentives: The lender’s interest is aligned with the business’s success, as they are repaid based on the business’s revenue growth.
5. Suitable for businesses with predictable revenue streams: This type of financing is typically best suited for businesses with a predictable revenue stream, such as subscription-based models or those with a strong track record of revenue growth.

RBF is often easier to qualify for than a traditional business loan. RBF lenders are primarily interested in your business’s revenue and growth potential, rather than collateral or a strong credit history. This means that businesses with less established credit histories or fewer assets may still be able to qualify for financing.

Additionally, RBF lenders may be more willing to take on riskier investments than traditional lenders. Because the repayment structure is tied to your business’s revenue, RBF lenders have a vested interest in helping your business succeed and may be more willing to provide financing for startups or businesses with less established track records.

However, there are also some disadvantages to RBF. RBF typically comes with higher interest rates and fees than traditional business loans, so it can be more expensive in the long run.

This type of fast funding is suitable for most businesses, especially those with steady or growing revenues and bank deposits.  In particular, it’s great for businesses that need fast capital to take advantage of an opportunity or to handle unexpected expenses and for service industries that are often overlooked by traditional banks due to lack of assets to be used for collateral such as:

1. Service Business 
2. Restaurants 
3. Construction
4. Retail Stores
5. Specialty Trades
6. Manufacturing

If your business has steady bank deposits Revenue Based Financing or a Merchant Cash Advance can be approved quickly and with limited paperwork and without collateral.

To qualify for an SBA loan, your business generally needs to meet the following criteria:

1. Be a for-profit business operating in the United States
2. Have a reasonable amount of owner equity
3. Have exhausted other financing options
4. Have a solid business plan and financial projections
5. Have a good credit score (typically 680 or higher)
6. Meet the SBA size standards for your industry

In addition, some SBA loan programs have specific requirements. For example, the SBA 7(a) program, which is the most common type of SBA loan, requires that the business demonstrate a need for the loan, that the loan will be used for a sound business purpose, and that the business is able to repay the loan.

The time it takes to get an SBA loan can vary depending on several factors, including the lender, the type of loan, and the complexity of the application. In general, the SBA loan application process can take several weeks or even months. Here are the basic steps involved in the SBA loan application process:

1. Research SBA lenders and choose one that meets your needs.
2. Gather and submit all required documentation, such as financial statements, tax returns, and business plans.
3. Wait for the lender to review your application and make a decision.
4. If approved, complete any additional documentation required by the lender and the SBA.
5. Wait for the SBA to review and approve the loan.
6. Sign the loan agreement and receive the funds.

The entire process can take anywhere from a few weeks to several months, depending on the complexity of the loan and the responsiveness of the lender and the SBA.

To secure a line of credit, your business typically needs to meet the following requirements:

1. Good credit history: Lenders will review your business’s credit history to assess its creditworthiness. A good credit score, with a history of timely payments and low credit utilization, can improve your chances of approval.
2. Financial statements: Lenders will typically require financial statements, such as income statements, balance sheets, and cash flow statements, to evaluate your business’s financial health and its ability to repay the line of credit.
3. Strong business plan: A well-developed business plan that outlines your business’s growth potential, competitive advantage, and long-term vision can help demonstrate to lenders that you have a solid plan for utilizing the line of credit and repaying the loan.
4. Collateral: Some lenders may require collateral, such as real estate or equipment, to secure the line of credit. Collateral helps to reduce the lender’s risk and may result in lower interest rates or higher credit limits.
5. Bank account and financial history: Lenders may require your business to have a bank account and a minimum number of years in business to qualify for a line of credit.
6. Industry and revenue: Some lenders may have specific requirements based on your industry or revenue. For example, some lenders may require that your business be in operation for a certain number of years or have a minimum annual revenue to qualify.

It’s important to note that the requirements for a line of credit may vary depending on the lender and the type of credit you are seeking. Before applying for a line of credit, it’s important to research your options, compare interest rates and fees, and carefully review the terms and conditions of the loan to ensure that it’s the right fit for your business.

The requirements for an unsecured personal loan may vary depending on the lender, but here are some common requirements:

1. Good credit score: Since unsecured personal loans do not require collateral, lenders rely heavily on your credit score to determine whether to approve your loan application. Generally, a good credit score is considered to be above 670.
2. Verifiable income: Lenders will typically require proof of income, such as pay stubs or tax returns, to verify that you can repay the loan.
3. Low debt-to-income ratio: Lenders will look at your debt-to-income ratio, which is the amount of debt you have compared to your income, to determine whether you can afford to make loan payments. A lower ratio is preferred.
4. Employment history: Lenders may look at your employment history to ensure that you have a stable source of income and are likely to continue to make loan payments.
5. Age and residency: You must be at least 18 years old and a U.S. citizen or permanent resident to qualify for an unsecured personal loan.
6. Other factors: Lenders may also consider other factors such as your level of education, credit history, and the purpose of the loan.

It’s important to note that the interest rates and fees for unsecured personal loans can be higher than secured loans such as a home equity loan or a car loan, due to the higher risk to the lender. Before applying for an unsecured personal loan, it’s important to carefully review the terms and conditions of the loan to ensure that it’s the right fit for your financial situation.