Traditional Financing

Term Loans

Classic business financing with predictable monthly payments and competitive rates. Ideal for established businesses seeking substantial capital for expansion, acquisition, or major investments.

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$25K

Minimum Amount

$25M

Maximum Amount

1-10 Years

Loan Terms

6%-20%

APR Range

1-4 Weeks

Funding Speed

Key Features

Everything you need to know about our term loans solutions.

Fixed Monthly Payments

Predictable payments make budgeting easy. Know exactly what you'll pay each month for the life of the loan.

Competitive Interest Rates

Access rates typically lower than credit cards, MCAs, or other alternative financing options.

Flexible Terms

Choose terms from 1-10 years based on your cash flow needs and the purpose of the funds.

Build Business Credit

On-time payments are reported to business credit bureaus, helping you build a strong credit profile.

Multiple Loan Types

Options include secured, unsecured, SBA-backed, and bank term loans to match your qualifications.

Large Loan Amounts

Access substantial capital for major business initiatives, from $25K to $25M+.

Why Choose Our Term Loans?

We understand the unique challenges businesses face when seeking funding. Our term loans solutions are designed to provide fast, flexible financing with transparent terms.

Lower total cost compared to short-term financing
Predictable payments for easier cash flow management
Longer terms mean lower monthly payments
Interest may be tax-deductible as a business expense
Establish relationships with institutional lenders
No revenue sharing or equity dilution

Get Your Free Quote

Fill out the form below and one of our funding specialists will contact you within 24 hours.

Ideal Use Cases

See how businesses like yours have used our term loans to achieve their goals.

Business Acquisition

An entrepreneur secured a $3M term loan to acquire a competitor, combining operations and doubling market share within 2 years.

Facility Expansion

A manufacturing company used a $1.5M SBA term loan to build out a new production facility, increasing capacity by 150%.

Working Capital Reserve

A wholesale distributor obtained a $500K term loan to maintain inventory levels and take advantage of bulk purchasing discounts.

Technology Upgrade

A logistics company financed $750K in software and systems upgrades, improving operational efficiency and reducing costs by 25%.

Frequently Asked Questions

What's the difference between secured and unsecured term loans?

Secured loans require collateral (real estate, equipment, inventory) and typically offer lower rates and higher amounts. Unsecured loans don't require collateral but have higher rates and stricter qualification requirements. Your business profile determines which option is best.

What are the typical requirements for a term loan?

Most lenders require: 2+ years in business, $100K+ annual revenue, 650+ credit score, positive cash flow, and clean business financials. SBA loans have additional requirements but offer better terms for qualified borrowers.

How do SBA term loans differ from conventional loans?

SBA loans are partially guaranteed by the government, allowing lenders to offer lower rates, longer terms, and lower down payments. However, they require more documentation, take longer to close, and have stricter eligibility requirements.

Can I pay off my term loan early?

Most term loans allow early payoff, but some have prepayment penalties, especially in the first 1-3 years. SBA loans have specific prepayment rules. Always ask about prepayment terms before signing—we can help you find loans with no prepayment penalties.

What documentation will I need to apply?

Typical requirements include: 2-3 years of business tax returns, year-to-date financial statements, bank statements (3-6 months), business debt schedule, personal financial statement, and a business plan for larger loans. We'll guide you through exactly what's needed.

Explore other funding solutions that might fit your business needs.